PPF Calculator
Public Provident Fund (PPF) is a sovereign-backed long-term savings scheme in India enjoying EEE (Exempt-Exempt-Exempt) tax status.
Input Calculation Parameters
₹
%
Years
Calculation Results
Total Amount Deposited
0
Tax-Free Interest Earned
0
Total Tax-Free Maturity Value
0
How the Calculation Works
Compounding interest calculated annually on the lowest balance between the 5th and end of each month.
Worked Example
Here is a step-by-step example calculation for Max ₹1.5 Lakh Annual PPF @ 7.1% p.a. for 15 Years:
| Parameter | Value |
|---|---|
| Deposited | ₹22,50,000 |
| Interest | ₹18,18,209 |
| Maturity | ₹40,68,209 |
Scenario Analysis
Comparing different tenures, interest rates, or investment horizons:
| Scenario Label | Key Metric |
|---|---|
| 15 Years | Maturity: ₹40.68 Lakh |
| 20 Years | Maturity: ₹66.58 Lakh |
Common Mistakes to Avoid
- Depositing money after the 5th of the month, missing that month's interest calculation.
Frequently Asked Questions (FAQs)
What is EEE tax status in PPF?
Exempt on investment (Sec 80C), Exempt on interest earned, Exempt on maturity payout.
Authoritative Sources & Regulatory References
Author: SmartPaisa Financial Research Team
Reviewer: Reviewed by Financial Engineering Team
Last Reviewed: 2026-08-17
Financial Disclaimer: This calculator provides estimates for educational purposes only based on standard mathematical formulas and current Indian regulatory guidelines. Actual returns, taxes, or EMI payments may vary depending on bank policies, market volatility, or individual tax brackets. Consult a SEBI-registered investment advisor or Chartered Accountant (CA) before making financial decisions.
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