PPF Calculator: Public Provident Fund Maturity (FY 2025-26)

PPF (Public Provident Fund) maturity value, year-wise interest, aur Section 80C tax benefit calculate karein @ 7.1% rate. Govt scheme, EEE tax status.

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Home › All Tools › PPF Calculator (Free) — Public Provident Fund Interest 2025-26

PPF (Public Provident Fund) Government of India ki sabse popular long-term savings scheme hai. 1968 mein launch, 15-year lock-in, current rate 7.1% per annum (Q4 FY 2024-25). EEE (Exempt-Exempt-Exempt) tax status — deposit Section 80C ke under tax-deductible up to Rs 1.5L, interest tax-free, maturity tax-free.

Yeh free PPF Calculator aapko annual deposit (Rs 500 minimum to Rs 1.5L maximum), expected interest rate (default 7.1%, govt review every quarter), aur tenure (default 15 years, extendable in 5-year blocks) input karke deta hai: (a) Total invested over tenure, (b) Total interest earned, (c) Maturity value, (d) Year-wise interest accrual table.

Important: Deposit timing matters! PPF interest "lowest balance between 5th and end of month" pe calculate hota hai. Therefore, agar 5 April se pehle annual deposit kar dein, poora saal ka interest milta hai. Late March deposit pe sirf 1 month ka interest. Calculator timing option mein April/March/Monthly select kar sakte hain.

PPF vs ELSS vs Tax-Saver FD: PPF safest hai (govt-backed, no risk), 7.1% guaranteed. ELSS market-linked (12-13% avg long-term, but volatile). Tax-saver FD ~7-7.5% but interest taxable. Allocation rule of thumb: PPF for safety portion of portfolio (40-60% of 80C limit), ELSS for growth (40-60%).

Use cases: Retirement corpus building, Child's education fund (15-year horizon perfect for college), Daughter's marriage, Tax-saving investment, Emergency long-term fund.

PPF extension: Maturity ke baad 5-year blocks mein extend kar sakte hain "with deposits" ya "without deposits" option. Extension ke time interest rate prevailing rate hota hai. Total period 15 + 5 + 5 + ... = 25, 30, 35 years possible.

हिंदी में खोजृं (Hindi search): PPF calculator hindi, public provident fund calculator, पीपीएफ ब्याज दर, पीपीएफ मैच्योरिटी कैल्कुलेटर, सेक्शन 80C, सरकारी योजना, भारत सरकार, EEE टैक्स स्टेटस, पीपीएफ ब्याज दर 7.1%, 15 साल PPF
Open PPF Calculator (Free) — Public Provident Fund Interest 2025-26 →

Frequently Asked Questions (FAQ)

PPF account kahaan kholein?
SBI, ICICI, HDFC, Axis Bank ki most branches mein PPF account khol sakte hain. Post Office mein bhi available. Online opening: SBI / ICICI / HDFC ke net banking se 5-7 minute mein. KYC ke liye Aadhaar + PAN zaroori. Minimum Rs 500 opening deposit.
PPF interest kab credit hota hai?
PPF interest har financial year mein 31 March ko credit hota hai, lekin daily calculation hota hai (lowest balance between 5th and end of month basis). Quarter mein govt rate revise karti hai. Compound annually, monthly tracking visible in passbook.
PPF se pehle paisa nikal sakte hain?
Partial withdrawal 7th year se start hota hai (i.e., 6 completed years ke baad). Maximum 50% of balance at end of 4th preceding year ya end of immediate preceding year, whichever lower. Loan facility 3rd to 6th year mein milti hai (max 25% of balance, 2-year repayment).
PPF Sec 80C limit kya hai?
PPF deposit Sec 80C ke under Rs 1.5 lakh tak deductible hai. 80C limit shared hai across PPF + ELSS + LIC + EPF + home loan principal + tuition fee + NSC + Sukanya. Plan accordingly. PPF interest + maturity bhi 100% tax-free under EEE.
PPF vs Sukanya Samriddhi kya better hai?
Sukanya Samriddhi Yojana (SSY) sirf girl child ke liye, current rate 8.2% (higher than PPF 7.1%). Maturity at 21 years from account opening. 15-yr deposit period (PPF: 15-yr full lock-in). Daughter ke liye SSY first priority, beyond that PPF for parents own goals.

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