💰 PPF Calculator ✅ 7.1% p.a. (Q1 FY2025-26)

🔒 EEE Status: PPF is Exempt-Exempt-Exempt — contribution (80C), interest and maturity are all 100% tax-free. Only instrument with triple tax exemption under Old Regime.

Annual Contribution

PPF Interest Rate (p.a.)

Investment Period

Extension Type (after 15 yrs)

Investment Month (for interest calc)

Opening Balance (if existing account)

📌 Max contribution: ₹1,50,000 per year. Min: ₹500 per year. Interest is calculated on minimum balance between 5th and last day of each month.

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Maturity Amount (Tax-Free)

📋 Year-wise PPF Statement

Run the calculator first. Years 1–15 = base period. Extended years shown in blue.

Year	Opening Balance	Contribution	Interest Earned	Closing Balance	80C Eligible
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🏦 PPF Loan & Partial Withdrawal

Run the main calculator first to see eligibility based on your balance.

🏦 Loan Against PPF

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💸 Partial Withdrawal

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Loan Rules

Loan available: From Year 3 to Year 6 Max loan amount: 25% of balance at end of Year 2 (or end of preceding year if less) Interest rate: PPF rate + 1% = 8.1% (currently) Repayment: Within 36 months After Year 6 (when partial withdrawal starts), loans are no longer available.

Partial Withdrawal Rules

Available from: Year 7 onwards (from Year 6 end balance) Max withdrawal: 50% of balance at end of Year 4 OR 50% of balance at end of preceding year (whichever is lower) Frequency: Once per financial year Tax: Completely tax-free Account closure before maturity is only allowed after 5 years for specific medical/educational reasons.

📐 How PPF Interest Is Calculated

PPF Interest Calculation Rule

Interest is calculated on the MINIMUM BALANCE between the 5th day and the LAST DAY of each month. Key Rule: Invest BEFORE the 5th of April to get interest for the full month of April. Investing after 5th = interest from May. Annual interest = Sum of 12 monthly interest amounts Credited: At end of each financial year (March 31)

Compounding Formula

PPF effectively compounds annually. Year-end balance = Opening + Contribution + Interest Interest for year = (Opening + Contribution) × rate (simplified — actual is monthly min balance) Example: ₹1,50,000/year at 7.1% for 15 years Year 1: ₹1,50,000 + ₹10,650 = ₹1,60,650 Year 2: ₹3,10,650 + ₹22,056 = ₹3,32,706 ... Year 15: Maturity ≈ ₹40,68,209

EEE Tax Benefits

E1 — Exempt on Investment: Contribution up to ₹1.5L deductible under 80C (Only under Old Tax Regime) E2 — Exempt on Accumulation: Interest earned is completely tax-free NOT added to taxable income E3 — Exempt on Maturity: Entire maturity amount is tax-free No capital gains tax, no TDS This triple exemption makes PPF one of the most tax-efficient instruments available in India.

Extension After 15 Years

After 15 years, you can: Option 1: Withdraw entire amount (tax-free) and close. Option 2: Extend for 5 years WITH contribution Continue ₹500–₹1.5L deposits per year Earn PPF interest on full corpus Partial withdrawal of 60% allowed per block Must apply within 1 year of maturity Option 3: Extend WITHOUT contribution (passive) No deposits needed Account continues earning PPF interest Full withdrawal allowed anytime No 80C benefit Extensions are in 5-year blocks, unlimited times.

❓ Frequently Asked Questions

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