PPF Calculator India 2025
Public Provident Fund — 7.1% p.a., EEE tax status, ₹500 to ₹1.5 Lakh annually.
The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers one of the most attractive risk-free investment options available to Indian investors. It carries a sovereign guarantee — meaning the Indian government guarantees both the principal and the interest, making it completely safe. The current interest rate of 7.1% per annum, compounded annually, is set quarterly by the government. PPF enjoys the unique EEE (Exempt-Exempt-Exempt) tax status: contributions up to 1.5 lakh qualify for Section 80C deduction, the annual interest credited is tax-free, and the maturity amount is completely tax-free. This triple tax benefit makes PPF particularly valuable for investors in the 30% tax bracket.
🛡️ EEE Status: Investment (80C deduction) + Interest + Maturity amount — ALL three are tax free.
₹
Maturity Amount
₹40,68,209
Total Invested
₹22,50,000
Interest Earned
₹18,18,209
Annual 80C tax saving
₹45,000
PPF interest rate
7.1% p.a.
⚠️ PPF rate of 7.1% is the current Q1 FY2025-26 rate set by Ministry of Finance. Rates are revised quarterly. PPF has a 15-year lock-in; partial withdrawals from Year 7. Extension in 5-year blocks is allowed after maturity.