PPF Calculator

What is PPF and why it's popular

The Public Provident Fund (PPF) is a government-backed, long-term savings scheme with a 15-year lock-in, a guaranteed interest rate, and — importantly — EEE tax status: contributions qualify for 80C deduction, and both the interest and maturity are tax-free. That tax-free, sovereign-guaranteed return makes it one of the safest wealth builders available.

The 15-year lock-in and extensions

PPF matures after 15 years, but you can extend it in blocks of 5 years indefinitely, with or without fresh contributions. Extending a mature PPF is a powerful way to keep compounding a tax-free balance.

Contribution limits

You can invest between ₹500 and ₹1.5 lakh per year. The full ₹1.5L also counts towards your 80C deduction under the old tax regime.

Related tools

• SSY Calculator — a similar scheme for a girl child.
• Old vs New Tax Regime — does the PPF 80C benefit help you?

Frequently asked questions

Is PPF interest tax-free?

Yes. PPF has EEE status — contributions are deductible under 80C, and the interest and maturity amount are both tax-free.

What is the PPF lock-in period?

PPF has a 15-year lock-in, after which it can be extended in blocks of 5 years. Partial withdrawals are allowed from the 7th year under certain conditions.

How much can I invest in PPF per year?

Between ₹500 and ₹1,50,000 per financial year. The maximum also counts towards your Section 80C limit.