👋 Planning Your PPF Investment?

The Public Provident Fund (PPF) is a government-backed, tax-free savings scheme in India. Here is how this planner helps you:

Annual Contribution: Set your annual deposit. You can invest up to a maximum of ₹1,50,000 per financial year.

Interest Rate: Governed by the government (currently 7.1%). Adjust the slider if you want to test hypothetical rate revisions.

15-Year Lock-In: PPF has a default 15-year maturity period. Use the slider to extend it in blocks of 5 years (up to 40 years).

PPF Settings

Annual PPF Deposit (Max ₹1.5L)

₹

PPF Interest Rate (%)

⚠️ Note: PPF interest deductions under Section 80C are **only applicable under the Old Tax Regime**. If you choose the New Tax Regime, your PPF interest remains tax-free, but your annual contributions cannot reduce your taxable income.

Tenure (Min 15 Years)

Yrs

Adjust calculations for inflation?

% Inflation

PPF Maturity Value

₹13,56,070

Total Invested: ₹7,50,000

Inflation Adjusted Value

₹5,65,845

Equivalent purchasing power

PPF Compounding Graph

Fund Composition

🚀 Open a Demat Account & Diversify Your Tax-Savings

Coin by Zerodha

Diversify beyond PPF. Invest in direct tax-saving mutual funds (ELSS) for free under Section 80C. Zero commission, zero brokerage.

Open Free Account

Groww Investment

Grow your wealth with mutual funds and stocks. Track your PPF alongside digital gold and SIPs in a single intuitive interface.

Start Investing on Groww

📊 View Yearly Detailed Amortization Table

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Year	Total Invested	Future Wealth	Inflation Adjusted

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Understanding the Public Provident Fund (PPF)

The Public Provident Fund is a savings-cum-tax-saving instrument backed directly by the Central Government of India. Introduced in 1968, PPF is designed to encourage long-term small savings and provide retirement security for self-employed individuals and salaried workers alike.

Guaranteed Tax-Free Returns (EEE Status)

PPF is highly favored because of its EEE (Exempt-Exempt-Exempt) tax classification. Contributions up to ₹1.5 Lakh are tax-deductible under Section 80C, the interest earned yearly is non-taxable, and the final maturity amount is completely exempt from wealth and income tax. This makes the effective post-tax yield extremely competitive compared to bank Fixed Deposits.

How Interest is Calculated and Compounded

The Ministry of Finance sets the PPF interest rate quarterly (currently stable at 7.1%). The interest is calculated monthly on the lowest balance between the 5th and the end of the month, but it is compounded and credited **annually** on March 31st. Depositing your annual contribution before the 5th of April maximizes the interest accrual for that fiscal year.