Calculate PPF Maturity Amount

Annual Deposit Amount (Min: ₹500 | Max: ₹1,50,000)

₹50,000

₹500 ₹1,50,000

Interest Rate (% p.a.) Current: 7.1%

Tenure (Years) Min 15, extend in blocks of 5

EEE Tax Status - Exempt-Exempt-Exempt: Contributions, interest earned, and maturity amount are all tax-free.
Section 80C Deduction - Annual deposits up to ₹1.5 lakh qualify for tax deduction under Section 80C of the Income Tax Act.
Guaranteed Returns - Interest rate is set by the Government of India and reviewed quarterly. Currently at 7.1% p.a. (compounded annually).
15-Year Lock-in - Minimum tenure of 15 years, extendable in blocks of 5 years. Partial withdrawals allowed from the 7th year.
Sovereign Guarantee - Backed by the Government of India, making it one of the safest investment options.
Loan Facility - Loans can be taken against PPF balance from the 3rd to 6th financial year at nominal interest.

PPF Loan & Withdrawal Calculator

Annual Deposit Amount (₹)

Interest Rate (% p.a.)

Which Financial Year? (Year of PPF account)

Loan (Year 3 to 6): Maximum 25% of the balance at the end of the 2nd financial year immediately preceding the year of loan application. Loan must be repaid within 36 months.
Partial Withdrawal (Year 7 onwards): Maximum 50% of the balance at the end of the 4th preceding year OR 50% of the balance at the end of the preceding year, whichever is lower.
Loan Interest: Interest on loan is charged at PPF interest rate + 1% (currently 8.1% p.a.). If not repaid within 36 months, rate increases to PPF rate + 6%.
One withdrawal per year: Only one partial withdrawal is permitted per financial year.

Annual Investment (₹)

Investment Period (Years)

Your Tax Slab (for FD taxation)

Expected ELSS Return (% p.a.)

PPF: Tax-free returns (EEE). Rate: 7.1% p.a. compounded annually. 15-year lock-in.
FD (Fixed Deposit): Interest is taxable as per your income tax slab. Rate assumed: 7.0% p.a. 5-year tax-saving FD for 80C benefit.
ELSS: Equity-linked, market-dependent returns. 3-year lock-in. LTCG above ₹1.25 lakh taxed at 12.5%. Section 80C eligible.
NPS: Market-linked. Assumed 9% p.a. return. 60% tax-free on maturity, 40% must buy annuity (taxable as income). Extra ₹50,000 deduction under 80CCD(1B).