The Public Provident Fund (PPF) is one of the most trusted and secure tax-saving investment avenues in India. Because it falls under the Exempt-Exempt-Exempt (EEE) category, your deposits, accrued interest, and maturity amount are all entirely tax-free. Our Toolzeniq PPF Calculator uses compounding logic to show you exactly how your wealth will grow over a 15-year period or beyond.
The Public Provident Fund (PPF) is a popular long-term investment scheme backed by the Government of India, offering safety with attractive interest rates and returns that are fully exempted from tax.
The standard lock-in period for a PPF account is 15 years. However, you can extend it in blocks of 5 years indefinitely after the maturity.
The PPF interest rate is determined by the Government of India every quarter. Historically, it ranges between 7.1% and 8.0%. Our calculator uses 7.1% by default but allows you to adjust it.
Interest in a PPF account is calculated monthly on the lowest balance between the 5th and the last day of the month, but it is compounded and credited to the account annually at the end of the financial year.