Knowledge Base

Public Provident Fund (PPF)

Compounding annually at govt. rate (currently 7.1%)

PPF is EEE: Deposit (80C), Interest, and Maturity — all completely tax-free.

Lock-in: 15 years. Partial withdrawal from Year 7. Loan against PPF from Year 3.

Maximum deposit: ₹1.5 Lakh/year. Minimum: ₹500/year to keep account active.

Deposit by 5th of the month to earn interest for that month.

Can be extended in blocks of 5 years indefinitely after maturity — with or without fresh deposits.

Pro Tip

Deposit your full ₹1.5L on April 5th each year for maximum interest. Don't spread monthly — PPF compounds annually.

Public Provident Fund (PPF) - Complete Guide

Everything you need to know about Public Provident Fund (PPF) and how to optimize your financial strategy.

Understanding the Formula

The core calculation is based on:

Compounding annually at govt. rate (currently 7.1%)

Key Concepts & Rules

PPF is EEE: Deposit (80C), Interest, and Maturity — all completely tax-free.

Lock-in: 15 years. Partial withdrawal from Year 7. Loan against PPF from Year 3.

Maximum deposit: ₹1.5 Lakh/year. Minimum: ₹500/year to keep account active.

Deposit by 5th of the month to earn interest for that month.

Can be extended in blocks of 5 years indefinitely after maturity — with or without fresh deposits.

Expert Strategy

Deposit your full ₹1.5L on April 5th each year for maximum interest. Don't spread monthly — PPF compounds annually.

How to use this Calculator?

1. Enter your specific values in the input fields above.
2. The calculator will render instant results as you type.
3. Check the breakdown table for year-by-year projections.
4. Adjust the inputs to see how different scenarios impact the final result.