PPF Calculator (Public Provident Fund)
Calculate the exact maturity value of your tax-free PPF investment at the standard 7.1% p.a.
Max allowed investment is ₹1,50,000 per financial year.
PPF matures in 15 years, extendable in blocks of 5 years.
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The Public Provident Fund (PPF) Engine
PPF is one of the only financial instruments in India with Exempt-Exempt-Exempt (EEE) status. This means your ₹1.5 Lakh deposit is exempt from income tax (Section 80C), your 7.1% interest is completely tax-free, and your final maturity withdrawal attracts zero capital gains tax.
1. What is the Public Provident Fund (PPF)?
The PPF is a sovereign-backed, long-term debt scheme established by the National Savings Institute. It is designed to help Indian citizens create a secure, tax-free retirement corpus without exposing their capital to stock market volatility.
To maximize compounding, always deposit your capital before the 5th of the month.
2. The 15-Year Lock-In & Block Extensions
A standard PPF account has a mandatory lock-in period of 15 full financial years. However, upon maturity, you have the option to extend the account indefinitely in blocks of 5 years. You can choose to extend with fresh contributions (earning tax deductions) or without contributions (letting the corpus generate tax-free interest).
Want to Master PPF Compounding?
Read our deep-dive research on the exact mathematical penalty of depositing after April 5th, how to execute block extensions, and how PPF compares to ELSS mutual funds.
Read the PPF Master GuideFrequently Asked Questions
Can I close my PPF account early?
Premature closure is generally not permitted. However, after completing 5 full financial years, you can request closure for specific emergencies, such as severe medical treatment or higher education, subject to a 1% interest rate penalty.
What happens if I forget to deposit money?
You must deposit a minimum of ₹500 every financial year. If you fail to do so, the account becomes "discontinued." To revive it, you must pay a strict penalty of ₹50 per missed year along with the minimum ₹500 arrears.
Actuarial & System Assumptions
This simulation engine is provided for illustrative, educational, and strategic planning purposes only. It does not constitute a financial contract, legal guarantee, or fiduciary advice.
Calculations rely on deterministic inputs and compounded mathematical growth models. Real-world inflation, sequence of returns, market volatility, and asset degradation will cause actual results to deviate.
Tax brackets, government subsidies (e.g., PM Surya Ghar), and statutory interest rates are subject to continuous legislative amendments. This engine does not guarantee real-time legal compliance.
Rupee Logics is a mathematical simulator, not a SEBI-registered entity. Users are strictly advised to verify all capital allocations and liability assumptions with certified financial professionals.