Calculate your Public Provident Fund maturity amount. See how 15 years of tax-free compounding can build significant wealth.
| Feature | Details |
|---|---|
| Current Interest Rate | 7.1% p.a. (Q1 FY2025-26) |
| Lock-in Period | 15 years (extendable in 5-year blocks) |
| Min Investment | ₹500/year |
| Max Investment | ₹1,50,000/year |
| Tax Benefit | EEE — Invest, Interest, Maturity all tax-free |
| Compounding | Yearly |
| Partial Withdrawal | After 7th year (up to 50% of balance) |
| Loan Against PPF | Available from 3rd to 6th year |
| Factor | PPF | ELSS | NSC | Tax-Saving FD |
|---|---|---|---|---|
| Returns | 7.1% | 12-15% | 7.7% | 6.5-7% |
| Lock-in | 15 years | 3 years | 5 years | 5 years |
| Risk | Zero (Govt) | Market-linked | Zero (Govt) | Very Low |
| Tax on returns | Tax-FREE | 12.5% LTCG | Taxable | Taxable |
| 80C Deduction | Yes | Yes | Yes | Yes |
Yes! PPF enjoys EEE (Exempt-Exempt-Exempt) status. Your investment qualifies for 80C deduction, the interest earned is tax-free, and the maturity amount is also tax-free. It's one of the very few instruments with this triple benefit.
Yes. After 15 years, you can extend in blocks of 5 years (with or without fresh contributions). Extended PPF continues to earn interest at the prevailing rate.
NRIs cannot open new PPF accounts. However, existing accounts opened as a resident can be continued until maturity (15 years). Extension is not allowed for NRIs.
At the current rate of 7.1%: Total invested = ₹22.5L, Maturity amount = ₹40.68L, Tax-free interest = ₹18.18L. This is one of the safest ways to double your money.
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