Calculate your PPF maturity amount with current interest rate 7.1% p.a. (Q1 2024–25). PPF offers EEE tax benefit — Exempt at investment, Exempt on interest, Exempt on maturity.
| Total Invested | — |
| Total Interest Earned | — |
| Tax Saved (est. 30% bracket) | — |
| Maturity Value | — |
| Period | Rate |
| Apr 2020 – Present | 7.1% |
| Oct 2018 – Mar 2020 | 8.0% |
| Apr 2017 – Sep 2018 | 7.6% |
| Apr 2016 – Mar 2017 | 8.1% |
Minimum investment: ₹500/year. Maximum investment: ₹1,50,000/year. Lock-in period: 15 years. Partial withdrawal allowed from year 7. Loan against PPF allowed from year 3 to year 6.
PPF is one of India's rare EEE investments — investment is deductible under Section 80C (up to ₹1.5L), annual interest is completely tax-free, and the maturity amount is also 100% tax-free. Not available under new tax regime.
Q: Can NRIs invest in PPF?
A: No. NRIs are not allowed to open a new PPF account. Existing accounts opened before becoming NRI can continue till maturity but cannot be extended.
Q: When is PPF interest credited?
A: Interest is calculated on the minimum balance between 5th and last day of each month, and credited on 31st March every year. Always deposit before the 5th of the month.
Q: Can I withdraw PPF before 15 years?
A: Full withdrawal is only allowed at maturity (15 years). Partial withdrawal (50% of balance) is allowed from year 7 onwards once per year.
Calculatr