PPF Maturity Calculator
Calculate the exact maturity amount of your PPF account after 15+ years. Plan your retirement corpus or child's education fund by estimating the final PPF payout with our calculator.
Understanding Public Provident Fund (PPF)
Public Provident Fund (PPF) is a government-backed long-term savings scheme introduced in 1968. It offers guaranteed returns with sovereign guarantee and complete tax exemption under the EEE (Exempt-Exempt-Exempt) category, making it one of the safest investment options in India.
Key PPF Features
- Lock-in Period: 15 years (can extend in blocks of 5 years indefinitely)
- Investment Limit: Minimum ₹500, Maximum ₹1.5 Lakh per financial year
- Tax Status: EEE - Investment, interest, and maturity all tax-free
- Risk Level: Zero risk (Sovereign guarantee by Government of India)
- Interest Compounding: Annual compounding, calculated monthly
Example Calculations
| Yearly | Period | Maturity | Investment | Interest |
|---|---|---|---|---|
| ₹1,50,000 | 15 years | ₹40,68,209 | ₹22,50,000 | ₹18,18,209 |
| ₹75,000 | 20 years | ₹31,67,744 | ₹15,00,000 | ₹16,67,744 |
PPF vs Other Investment Options
While PPF offers guaranteed tax-free returns with zero risk, the 15-year lock-in may not suit everyone. For higher returns with moderate risk, explore SIP Calculator for mutual funds. For shorter lock-in with tax benefits, check FD Calculator for 5-year tax-saving FDs.
PPF Withdrawal Rules
- Partial Withdrawal: Allowed from 7th financial year (50% of 4th preceding year balance)
- Loan Against PPF: Available from 3rd to 6th year at 1% above PPF rate
- Premature Closure: Allowed after 5 years for specific reasons (medical, education)
Frequently Asked Questions
What happens after PPF maturity?
After 15 years, you can either withdraw the entire amount or extend the account in blocks of 5 years. Extension can be with or without fresh contributions. The maturity amount is completely tax-free.
Can I extend PPF after maturity?
Yes, you can extend PPF indefinitely in blocks of 5 years. With contribution extension, you can invest up to ₹1.5 lakh/year. Without contribution, the balance continues to earn interest at prevailing rates.