PPF Calculator
7.1% Tax-Free Returns
EEE Tax Status
Calculate PPF maturity with year-by-year schedule. Triple tax exempt โ 80C deduction on investment, tax-free interest, and tax-free maturity.
PPF Calculator
Public Provident Fund โ 7.1% Tax-Free Returns with EEE Status
PPF at a Glance
Why PPF is India's most tax-efficient savings instrument
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PPF Complete Guide
Everything about Public Provident Fund โ rules, benefits, withdrawals
What is PPF?
Public Provident Fund is a government-backed, long-term savings scheme offering 7.1% interest (revised quarterly). It is 100% safe (sovereign guarantee) and offers EEE tax status โ completely tax-free at every stage.
Triple EEE Tax Benefit
- E1 โ Invest: Up to โน1.5L/yr deductible under 80C
- E2 โ Interest: Annual interest is tax-free
- E3 โ Maturity: Full amount received tax-free
No other investment offers this complete tax protection.
Lock-in & Extension
Initial tenure is 15 years. After maturity, extend in 5-year blocks (Form H). Can extend indefinitely. With contributions (earn on new deposits) or without (existing balance grows at PPF rate). Extension must be elected within 1 year of maturity.
Smart PPF Strategy
- Deposit before 5th April for full year interest
- Invest lump sum in April for maximum compounding
- Don't miss any year โ account goes inactive
- Extend beyond 15yr for higher tax-free corpus
- Use partial withdrawal from year 7 for emergencies
PPF Taxation Details
EEE status โ zero tax at every stage
Tax on PPF Investment
Contributions to PPF (up to โน1.5L/year) qualify for Section 80C deduction under Old Regime. This reduces your taxable income directly, saving up to โน46,800/year in tax (at 30% slab + cess).
Tax on PPF Interest
PPF interest is completely exempt under Section 10(11). It is not even added to your income for tax computation. This is different from FD interest (fully taxable) or debt MF gains (slab rate).
Tax on PPF Maturity
The entire maturity amount (deposits + accumulated interest) is 100% tax-free. No TDS, no capital gains tax, no reporting required. Simply withdraw and use.
PPF vs FD โ After-Tax Comparison
Frequently Asked Questions
All PPF questions answered โ rules, rates, withdrawals
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