About Public Provident Fund (PPF)

The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India. It offers attractive returns with tax benefits and is one of the most popular investment options for building retirement corpus.

Key Features

15-year lock-in period
Tax-free returns (EEE status)
Government guaranteed
Current interest rate: 7.1% p.a.
Minimum investment: ₹500
Maximum investment: ₹1,50,000

Tax Benefits

Deduction under Section 80C
Tax-free interest earnings
Tax-free maturity amount
Exempt from wealth tax
No TDS on interest

Investment Rules

Only Indian residents can invest
One account per person
Can be opened for minor
Partial withdrawal after 7 years
Loan facility available
Can extend in 5-year blocks

Who Should Invest

Conservative investors
Long-term wealth creation
Retirement planning
Tax-saving requirements
Risk-averse individuals
Regular income earners

⚠️ Important Disclaimer

This PPF calculator is designed for informational and educational purposes only. The calculations provided are estimates based on the inputs you provide and should not be considered as financial advice or investment recommendations. Actual returns may vary based on changes in interest rates, government policies, and market conditions. The current PPF interest rate is subject to quarterly review by the Government of India and may change without prior notice. Past performance does not guarantee future results. Please consult with a qualified financial advisor or tax professional before making any investment decisions. The calculator assumes annual compounding and does not account for any fees, charges, or taxes that may apply. Users are advised to verify all calculations independently and refer to official government sources for the most current PPF rules and regulations.