PPF Calculator
Calculate Public Provident Fund maturity amount, tax savings and long-term wealth creation
💡 Popular PPF Plans:
🏛️ PPF Key Features:
- 📅 Lock-in: 15 years mandatory
- 💰 Tax Free: EEE (Exempt-Exempt-Exempt)
- 🎯 80C Deduction: Up to ₹1.5L per year
- 🏦 Government Backed: 100% safe
- ⏰ Flexible: Lump sum or installments
📈 PPF Rate History
2024: 8.0%
2023: 8.0%
2022: 7.9%
2021: 7.9%
2020: 8.0%
2019: 8.5%
*Rates declared quarterly by government
PPF Features & Benefits
✅ PPF Advantages
- 🛡️ Triple Exemption: EEE status (Investment, Growth, Maturity)
- 🏛️ Government Backing: 100% safe, no risk
- 💰 80C Deduction: Up to ₹1.5L tax deduction
- 📈 Compound Growth: Interest compounded annually
- 💸 Loan Facility: From 3rd to 6th year
- 🔄 Partial Withdrawal: From 7th year onwards
⚠️ PPF Limitations
- 🔒 Long Lock-in: 15 years mandatory period
- 💵 Low Limit: Maximum ₹1.5L per year
- 🏦 Single Account: One PPF account per person
- 📉 Rate Risk: Government can change rates
- 💰 Inflation Risk: Fixed rate may not beat inflation
- ⏰ Liquidity: Money locked for long term
🎯 PPF Rules & Features
Minimum Deposit: ₹500 per year
Maximum Deposit: ₹1,50,000 per year
Lock-in Period: 15 years from opening
Loan Facility: 25% of balance (3rd-6th year)
Partial Withdrawal: 50% of balance (7th year+)
Extension: 5-year blocks without deposits
💡 PPF Strategy Tips
- 📅 Early Start: Start young to maximize compounding
- 💰 Max Contribution: Invest ₹1.5L annually if possible
- 🗓️ Deposit Timing: Invest early in financial year
- 👨👩👧👦 Family Account: Open for spouse and kids
- 🔄 Extension Strategy: Extend for continued tax-free growth
- 📝 Nomination: Add nominee and keep updated