PPF Calculator 2025
Public Provident Fund โ 7.1% interest, 15-year maturity, Section 80C tax benefit
๐ฅ Investment Details
โน/ year
Min โน500โน50,000Max โน1.5L
% p.a.
Current rate: 7.1% (Q1 FY2025-26). Government revises quarterly.
Base: 15 years. Extendable in 5-year blocks.
๐ PPF Quick Facts
๐
Min โน500 โ Max โน1.5L per financial year
๐Lock-in 15 years. Partial withdrawal from year 7.
๐ฆAvailable at SBI, Post Office, all major banks
๐Extendable in 5-year blocks after maturity
๐ฐLoan against PPF available from year 3 to 6
Maturity Amount
โน1,356,070
After 15 years
EEE Status
Triple Tax-Free
Triple Tax-Free
โน750,000Total Invested
โน606,070Interest Earned
โน225,000Tax Saved (80C)
Invested 55%Interest 45%
1.8xMultiplier
81%Total Return
โน7,534Eff./Month
๐ PPF vs Alternatives
๐ฐ
PPF (You)
7.1% p.a.
โน1,356,070
๐ฆ
Bank FD
7% p.a.
โน1,344,403
๐ฎ
Post Office TD
7.5% p.a.
โน1,403,862
๐
Nifty 50 (est.)
12% p.a.
โน2,087,664
๐ Year-by-Year Breakdown
| Year | Opening | Deposit | Interest | Closing |
|---|---|---|---|---|
| 1 | โน0 | โน50,000 | +โน3,550 | โน53,550 |
| 2 | โน53,550 | โน50,000 | +โน7,352 | โน110,902 |
| 3 | โน110,902 | โน50,000 | +โน11,424 | โน172,326 |
| 4 | โน172,326 | โน50,000 | +โน15,785 | โน238,111 |
| 5 | โน238,111 | โน50,000 | +โน20,456 | โน308,567 |
๐๏ธ Section 80C Tax Benefit โ PPF
๐ฅ
EEE Status
Exempt-Exempt-Exempt โ Investment, interest & maturity all tax-free.
๐ณ
Section 80C
Up to โน1.5L deduction per year. Reduces taxable income directly.
๐
Best for 30% Slab
30% slab payer saves โน46,800 in taxes per year on max investment.
๐ฆ
No TDS
No TDS deducted. No ITR entry needed for PPF interest.
๐ฑ
Inflation-Beating?
At 7.1%, beats savings account (3โ4%) and most FDs.
๐ก๏ธ
Sovereign Guarantee
Government-backed. Zero default risk. Best for risk-averse investors.
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