🏦 Govt. Investment

PPF Calculator

A Public Provident Fund Calculator, or PPF Calculator, is an online financial tool that helps you estimate the future value and the interest earned from your investments in a PPF account.

Public Provident Fund (PPF) is one of India’s safest, tax-free, government-backed long-term savings schemes with 7.1% p.a. interest (Q4 FY 2025-26)

7.1%Current PPF rate (Q1 2025-26)

EEEExempt-Exempt-Exempt tax status

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PPF Calculator

15-year PPF maturity estimator

Yearly Deposit (₹, max 1,50,000)

PPF Interest Rate (% p.a.)

Time Period (Years, min 15)

15yrs15 yrs50yrs

Maturity Amount

₹0

Total Deposited

₹0

Interest Earned

₹0

Tax Saved (30% slab)

₹0

Return Multiple

Frequently Asked Questions

What is the PPF interest rate in 2026?▼

The PPF interest rate for 2025-2026 is 7.1%. You can use a PPF interest rate calculator to calculate the interest amount you will be accumulating.

What is the PPF lock-in period?▼

PPF scheme has a lock-in period of 15 years. However, you can withdraw partially from the 7th year if you need to.

Which is a better PPF or FD?▼

An FD has a lock-in period of 5 years, which is much lesser than the PPF lock-in period of 15 years. But FDs carry some risk, and the interests earned are taxable.

How PPF interest is calculated monthly or yearly?▼

PPF interest is calculated monthly, compounded annually. This means that the interest is calculated on the balance in your PPF account at the beginning of each month.

What are some alternative investment options?▼

Alternatives to PPF include ELSS, ULIP, NSC, NPS, SCSS, and tax-saving FDs. A PPF calculator helps project returns, maturity value, and tax savings, enabling smarter investment decisions.

PPF Key Features

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Government Backed

PPF is 100% safe as it is backed by the Government of India. Principal and interest are fully guaranteed.

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Tax-Free Returns

PPF enjoys EEE tax status — investment, interest, and maturity are all tax-free under the Income Tax Act.

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15-Year Lock-in

Minimum tenure is 15 years, extendable in blocks of 5 years. Partial withdrawals allowed from Year 7.

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Investment Limit

Minimum ₹500 and maximum ₹1,50,000 per financial year. Can invest in 12 instalments.

PPF Calculator

Frequently Asked Questions

PPF Key Features

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