Public Provident Fund (PPF) Calculator – Plan Your Long-Term Tax-Free Wealth
Public Provident Fund (PPF) is one of the most popular long-term investment schemes in India. Backed by the Government of India, PPF offers guaranteed returns, tax benefits under Section 80C, and completely tax-free maturity under the EEE (Exempt-Exempt-Exempt) category.
How PPF Interest is Calculated
PPF interest is compounded annually. Interest is calculated based on the lowest balance between the 5th and the last day of each month. The government revises the interest rate quarterly.
PPF Investment Rules (India)
- Minimum investment: ₹500 per year
- Maximum investment: ₹1.5 lakh per year
- Lock-in period: 15 years
- Interest compounded annually
- Tax-free maturity amount
Benefits of Investing in PPF
- Guaranteed returns
- Tax-saving under Section 80C
- No tax on interest earned
- Safe government-backed scheme
- Ideal for retirement planning