PPF Calculator 2025 - Calculate PPF Maturity, Returns & Tax Benefits
Calculate PPF maturity amount after 15 years with our advanced online calculator. Get instant results for yearly/monthly contributions, loan eligibility, partial withdrawal limits, 80C tax benefits, and extension planning. Compare SBI vs Post Office PPF returns with current 7.1% interest rate.
| Year | Contribution | Interest | Balance |
|---|
| Feature | PPF | ELSS | NPS | Tax Saver FD |
|---|---|---|---|---|
| Returns | 7.1% (Fixed) | 12-15% (Market) | 9-12% (Market) | 6.5-7% (Fixed) |
| Lock-in | 15 years | 3 years | Till 60 years | 5 years |
| Tax on Maturity | Tax Free | 10% LTCG | 40% Tax Free | Taxable |
| Risk | Zero Risk | High | Moderate | Low |
| 80C Limit | ₹1.5 Lakh | ₹1.5 Lakh | ₹2 Lakh* | ₹1.5 Lakh |
Calculating...
PPF Calculator 2025 - Calculate PPF Maturity After 15 Years with Tax Benefits
Public Provident Fund (PPF) is India's most trusted long-term savings scheme offering guaranteed returns with complete tax benefits. Our advanced PPF calculator 2025 helps you instantly calculate maturity amount after 15 years, loan eligibility from year 3-6, partial withdrawal limits from year 7, and tax savings under Section 80C. Whether you're comparing SBI vs Post Office PPF or planning monthly PPF contributions, our calculator provides comprehensive analysis with the current 7.1% interest rate.
Unlike other investment options, PPF offers the unique EEE (Exempt-Exempt-Exempt) tax status - your investment, interest earned, and maturity amount are all tax-free. Our PPF maturity calculator after 15 years shows exact returns including compound interest calculations, year-wise breakup, and extension benefits for another 5 years. With features like PPF calculator with loan facility details and partial withdrawal calculator, you can plan your long-term financial goals effectively.
PPF Calculator with PDF Download - Save Your Investment Plan
Our PPF calculator with PDF download feature enables you to save comprehensive investment reports instantly. The downloadable PDF includes complete maturity calculations after 15 years, year-wise investment and interest breakup, loan eligibility for years 3-6, partial withdrawal limits from year 7, tax savings under Section 80C calculations, and comparison with other tax-saving investments. This documentation is essential for financial planning records, loan applications showing long-term savings, tax consultant references, and investment portfolio tracking. Generate professional reports for different contribution scenarios.
PPF Interest Calculation Formula - Compound Interest Magic
Understanding PPF interest calculation with monthly contribution helps maximize your returns:
PPF Balance = Previous Balance + Yearly Contribution + Interest
Interest = (Opening Balance + Contribution) × Interest Rate
Compounded Annually at 7.1% (Current Rate)
Key calculation points for PPF:
- Interest calculated on monthly minimum balance between 5th and last day
- Contribution before 5th earns interest for that month
- Maximum yearly contribution: ₹1,50,000
- Minimum yearly contribution: ₹500
- Interest compounded annually on March 31st
PPF Calculator with Loan Facility - Year 3 to 6 Benefits
Our PPF calculator with loan facility shows your exact loan eligibility:
PPF Loan Rules and Eligibility:
- When: From 3rd year to 6th year of account opening
- Amount: Maximum 25% of balance at end of 2nd preceding year
- Interest Rate: PPF rate + 1% (currently 8.1% p.a.)
- Repayment: Within 36 months in lump sum or instalments
- Second Loan: Allowed only after clearing first loan
Loan Calculation Example:
If your PPF balance at end of Year 2 is ₹3,10,500, maximum loan in Year 3 = 25% of ₹3,10,500 = ₹77,625
PPF Calculator with Partial Withdrawal - Year 7 Onwards
Plan your withdrawals with our PPF withdrawal rules calculator:
Partial Withdrawal Rules:
- When: From 7th financial year onwards
- Amount: 50% of balance at end of 4th preceding year OR preceding year (whichever is lower)
- Frequency: Once per financial year
- No penalty: Unlike premature closure, partial withdrawal has no charges
Withdrawal Calculation Example:
In Year 7: Balance at end of Year 3 = ₹4,80,000, Balance at end of Year 6 = ₹9,60,000
Maximum withdrawal = 50% of ₹4,80,000 = ₹2,40,000
PPF Extension Calculator After 15 Years - Maximize Returns
Our PPF extension calculator after 15 years shows benefits of continuing your account:
Extension Options After Maturity:
| Option | Duration | Contribution | Withdrawal | Best For |
|---|---|---|---|---|
| Extension with contribution | 5 years (renewable) | Allowed (max ₹1.5L/year) | Once per year | Continued savings |
| Extension without contribution | Any period | Not allowed | Any amount, any time | Regular income needs |
PPF vs ELSS Calculator - Which Tax Saver is Better?
Compare returns using our comprehensive analysis:
PPF vs ELSS Comparison for ₹1.5 Lakh Annual Investment:
| Parameter | PPF | ELSS |
|---|---|---|
| Expected Returns | 7.1% (Guaranteed) | 12-15% (Market-linked) |
| 15-Year Value (₹1.5L/year) | ₹40,68,209 | ₹63,45,000 (at 12%) |
| Tax on Maturity | Nil | 10% on gains above ₹1 lakh |
| Risk Level | Zero (Government-backed) | High (Market risk) |
| Liquidity | 15-year lock-in | 3-year lock-in |
PPF Calculator for Minors - Secure Your Child's Future
Planning with PPF calculator for minors offers unique advantages:
- Account can be opened in minor's name (guardian operates)
- Maximum ₹1.5 lakh combined limit for guardian and minor
- Account matures when child turns 18 (if opened at age 3)
- Perfect for education planning - tax-free corpus at 18
- Guardian gets 80C benefits on contributions
Example: PPF for Child's Education
Starting PPF with ₹1.5 lakh/year when child is 3 years old:
Maturity when child turns 18 = ₹40,68,209 (tax-free education fund)
SBI vs Post Office PPF Calculator - Where to Open Account?
Our SBI vs Post Office PPF calculator helps you choose:
| Feature | SBI PPF | Post Office PPF |
|---|---|---|
| Interest Rate | 7.1% (Same) | 7.1% (Same) |
| Online Facility | Yes (Internet Banking) | Limited |
| Auto-debit | Available | Not available |
| Branch Network | 22,000+ branches | 1,55,000+ offices |
| Account Transfer | Between SBI branches | Between post offices |
| Loan Processing | Faster (online) | Manual process |
PPF Calculator with 80C Benefits - Maximize Tax Savings
Calculate your tax savings with our PPF calculator with 80C benefits:
Tax Saving Calculation:
- 10% Tax Bracket: Save ₹15,000 per year (₹2,25,000 in 15 years)
- 20% Tax Bracket: Save ₹30,000 per year (₹4,50,000 in 15 years)
- 30% Tax Bracket: Save ₹45,000 per year (₹6,75,000 in 15 years)
Effective Returns with Tax Benefits:
Actual return = 7.1% + Tax saved
For 30% tax bracket = 7.1% + 3% = 10.1% effective returns
Monthly vs Yearly PPF Contribution Strategy
Optimize returns with contribution timing:
Best PPF Investment Strategy:
- Lump Sum Before April 5: Maximum interest for the year
- Monthly Before 5th: Interest on each month's contribution
- Quarterly Deposits: Balance between liquidity and returns
- Year-end Deposit: Least interest earned
Interest Impact Example:
₹1,50,000 deposited on April 5: Full year interest = ₹10,650
₹1,50,000 deposited on March 31: No interest for that year = ₹0
Difference: ₹10,650 in first year alone!
PPF Premature Closure Rules (Special Cases)
PPF premature closure is allowed only in specific situations after 5 years:
- Serious illness of account holder/family
- Higher education funding for children
- Change in residency status
- Penalty: 1% reduction in interest rate
Frequently Asked Questions About PPF Calculator
Q: What is the current PPF interest rate for 2025?
A: The current PPF interest rate is 7.1% per annum (Q4 2024-25), compounded annually. Government reviews rates quarterly. Our PPF calculator 2025 uses the latest rate automatically.
Q: Can I deposit more than ₹1.5 lakh in PPF?
A: No, maximum yearly contribution is ₹1.5 lakh. Excess deposits don't earn interest and are returned without interest. Our calculator limits input to ₹1.5 lakh automatically.
Q: Is PPF calculator accurate for monthly contributions?
A: Yes, our PPF interest calculation monthly contribution feature accurately calculates interest based on deposit timing. Deposits before 5th of month earn full month's interest.
Q: When can I withdraw from PPF?
A: Partial withdrawals allowed from 7th year (50% of 4th preceding year balance). Complete withdrawal after 15 years. Our PPF withdrawal rules calculator shows exact eligible amounts.
Q: Can I take loan against PPF?
A: Yes, from 3rd to 6th year. Maximum 25% of 2nd preceding year balance. Our PPF calculator with loan facility shows your eligibility.
Q: Is PPF better than ELSS for tax saving?
A: PPF offers guaranteed returns with zero risk and tax-free maturity but has 15-year lock-in. ELSS has 3-year lock-in with potentially higher but risky returns. Use our PPF vs ELSS calculator for comparison.
Q: Can I extend PPF after 15 years?
A: Yes, in 5-year blocks with or without fresh contributions. Our PPF extension calculator after 15 years shows benefits of extension.
Q: Which is better - SBI or Post Office PPF?
A: Both offer same 7.1% interest. SBI provides better online facilities while Post Office has wider reach. Our SBI vs Post Office PPF calculator helps you decide.
Q: Can I open PPF for my child?
A: Yes, minors can have PPF accounts operated by guardians. Combined contribution limit is ₹1.5 lakh. Our PPF calculator for minors shows maturity when child turns 18.
Q: Is the PPF calculator free to use?
A: Yes, our PPF calculator online is completely free with unlimited usage, PDF downloads, and no registration required.
PPF Calculator 2025 - Calculate PPF Maturity, Returns & Tax Benefits
Calculate PPF maturity amount after 15 years with our advanced online calculator. Get instant results for yearly/monthly contributions, loan eligibility, partial withdrawal limits, 80C tax benefits, and extension planning. Compare SBI vs Post Office PPF returns with current 7.1% interest rate.
| Year | Contribution | Interest | Balance |
|---|
| Feature | PPF | ELSS | NPS | Tax Saver FD |
|---|---|---|---|---|
| Returns | 7.1% (Fixed) | 12-15% (Market) | 9-12% (Market) | 6.5-7% (Fixed) |
| Lock-in | 15 years | 3 years | Till 60 years | 5 years |
| Tax on Maturity | Tax Free | 10% LTCG | 40% Tax Free | Taxable |
| Risk | Zero Risk | High | Moderate | Low |
| 80C Limit | ₹1.5 Lakh | ₹1.5 Lakh | ₹2 Lakh* | ₹1.5 Lakh |
Calculating...
PPF Calculator 2025 - Calculate PPF Maturity After 15 Years with Tax Benefits
Public Provident Fund (PPF) is India's most trusted long-term savings scheme offering guaranteed returns with complete tax benefits. Our advanced PPF calculator 2025 helps you instantly calculate maturity amount after 15 years, loan eligibility from year 3-6, partial withdrawal limits from year 7, and tax savings under Section 80C. Whether you're comparing SBI vs Post Office PPF or planning monthly PPF contributions, our calculator provides comprehensive analysis with the current 7.1% interest rate.
Unlike other investment options, PPF offers the unique EEE (Exempt-Exempt-Exempt) tax status - your investment, interest earned, and maturity amount are all tax-free. Our PPF maturity calculator after 15 years shows exact returns including compound interest calculations, year-wise breakup, and extension benefits for another 5 years. With features like PPF calculator with loan facility details and partial withdrawal calculator, you can plan your long-term financial goals effectively.
PPF Calculator with PDF Download - Save Your Investment Plan
Our PPF calculator with PDF download feature enables you to save comprehensive investment reports instantly. The downloadable PDF includes complete maturity calculations after 15 years, year-wise investment and interest breakup, loan eligibility for years 3-6, partial withdrawal limits from year 7, tax savings under Section 80C calculations, and comparison with other tax-saving investments. This documentation is essential for financial planning records, loan applications showing long-term savings, tax consultant references, and investment portfolio tracking. Generate professional reports for different contribution scenarios.
PPF Interest Calculation Formula - Compound Interest Magic
Understanding PPF interest calculation with monthly contribution helps maximize your returns:
PPF Balance = Previous Balance + Yearly Contribution + Interest
Interest = (Opening Balance + Contribution) × Interest Rate
Compounded Annually at 7.1% (Current Rate)
Key calculation points for PPF:
- Interest calculated on monthly minimum balance between 5th and last day
- Contribution before 5th earns interest for that month
- Maximum yearly contribution: ₹1,50,000
- Minimum yearly contribution: ₹500
- Interest compounded annually on March 31st
PPF Calculator with Loan Facility - Year 3 to 6 Benefits
Our PPF calculator with loan facility shows your exact loan eligibility:
PPF Loan Rules and Eligibility:
- When: From 3rd year to 6th year of account opening
- Amount: Maximum 25% of balance at end of 2nd preceding year
- Interest Rate: PPF rate + 1% (currently 8.1% p.a.)
- Repayment: Within 36 months in lump sum or instalments
- Second Loan: Allowed only after clearing first loan
Loan Calculation Example:
If your PPF balance at end of Year 2 is ₹3,10,500, maximum loan in Year 3 = 25% of ₹3,10,500 = ₹77,625
PPF Calculator with Partial Withdrawal - Year 7 Onwards
Plan your withdrawals with our PPF withdrawal rules calculator:
Partial Withdrawal Rules:
- When: From 7th financial year onwards
- Amount: 50% of balance at end of 4th preceding year OR preceding year (whichever is lower)
- Frequency: Once per financial year
- No penalty: Unlike premature closure, partial withdrawal has no charges
Withdrawal Calculation Example:
In Year 7: Balance at end of Year 3 = ₹4,80,000, Balance at end of Year 6 = ₹9,60,000
Maximum withdrawal = 50% of ₹4,80,000 = ₹2,40,000
PPF Extension Calculator After 15 Years - Maximize Returns
Our PPF extension calculator after 15 years shows benefits of continuing your account:
Extension Options After Maturity:
| Option | Duration | Contribution | Withdrawal | Best For |
|---|---|---|---|---|
| Extension with contribution | 5 years (renewable) | Allowed (max ₹1.5L/year) | Once per year | Continued savings |
| Extension without contribution | Any period | Not allowed | Any amount, any time | Regular income needs |
PPF vs ELSS Calculator - Which Tax Saver is Better?
Compare returns using our comprehensive analysis:
PPF vs ELSS Comparison for ₹1.5 Lakh Annual Investment:
| Parameter | PPF | ELSS |
|---|---|---|
| Expected Returns | 7.1% (Guaranteed) | 12-15% (Market-linked) |
| 15-Year Value (₹1.5L/year) | ₹40,68,209 | ₹63,45,000 (at 12%) |
| Tax on Maturity | Nil | 10% on gains above ₹1 lakh |
| Risk Level | Zero (Government-backed) | High (Market risk) |
| Liquidity | 15-year lock-in | 3-year lock-in |
PPF Calculator for Minors - Secure Your Child's Future
Planning with PPF calculator for minors offers unique advantages:
- Account can be opened in minor's name (guardian operates)
- Maximum ₹1.5 lakh combined limit for guardian and minor
- Account matures when child turns 18 (if opened at age 3)
- Perfect for education planning - tax-free corpus at 18
- Guardian gets 80C benefits on contributions
Example: PPF for Child's Education
Starting PPF with ₹1.5 lakh/year when child is 3 years old:
Maturity when child turns 18 = ₹40,68,209 (tax-free education fund)
SBI vs Post Office PPF Calculator - Where to Open Account?
Our SBI vs Post Office PPF calculator helps you choose:
| Feature | SBI PPF | Post Office PPF |
|---|---|---|
| Interest Rate | 7.1% (Same) | 7.1% (Same) |
| Online Facility | Yes (Internet Banking) | Limited |
| Auto-debit | Available | Not available |
| Branch Network | 22,000+ branches | 1,55,000+ offices |
| Account Transfer | Between SBI branches | Between post offices |
| Loan Processing | Faster (online) | Manual process |
PPF Calculator with 80C Benefits - Maximize Tax Savings
Calculate your tax savings with our PPF calculator with 80C benefits:
Tax Saving Calculation:
- 10% Tax Bracket: Save ₹15,000 per year (₹2,25,000 in 15 years)
- 20% Tax Bracket: Save ₹30,000 per year (₹4,50,000 in 15 years)
- 30% Tax Bracket: Save ₹45,000 per year (₹6,75,000 in 15 years)
Effective Returns with Tax Benefits:
Actual return = 7.1% + Tax saved
For 30% tax bracket = 7.1% + 3% = 10.1% effective returns
Monthly vs Yearly PPF Contribution Strategy
Optimize returns with contribution timing:
Best PPF Investment Strategy:
- Lump Sum Before April 5: Maximum interest for the year
- Monthly Before 5th: Interest on each month's contribution
- Quarterly Deposits: Balance between liquidity and returns
- Year-end Deposit: Least interest earned
Interest Impact Example:
₹1,50,000 deposited on April 5: Full year interest = ₹10,650
₹1,50,000 deposited on March 31: No interest for that year = ₹0
Difference: ₹10,650 in first year alone!
PPF Premature Closure Rules (Special Cases)
PPF premature closure is allowed only in specific situations after 5 years:
- Serious illness of account holder/family
- Higher education funding for children
- Change in residency status
- Penalty: 1% reduction in interest rate
Frequently Asked Questions About PPF Calculator
Q: What is the current PPF interest rate for 2025?
A: The current PPF interest rate is 7.1% per annum (Q4 2024-25), compounded annually. Government reviews rates quarterly. Our PPF calculator 2025 uses the latest rate automatically.
Q: Can I deposit more than ₹1.5 lakh in PPF?
A: No, maximum yearly contribution is ₹1.5 lakh. Excess deposits don't earn interest and are returned without interest. Our calculator limits input to ₹1.5 lakh automatically.
Q: Is PPF calculator accurate for monthly contributions?
A: Yes, our PPF interest calculation monthly contribution feature accurately calculates interest based on deposit timing. Deposits before 5th of month earn full month's interest.
Q: When can I withdraw from PPF?
A: Partial withdrawals allowed from 7th year (50% of 4th preceding year balance). Complete withdrawal after 15 years. Our PPF withdrawal rules calculator shows exact eligible amounts.
Q: Can I take loan against PPF?
A: Yes, from 3rd to 6th year. Maximum 25% of 2nd preceding year balance. Our PPF calculator with loan facility shows your eligibility.
Q: Is PPF better than ELSS for tax saving?
A: PPF offers guaranteed returns with zero risk and tax-free maturity but has 15-year lock-in. ELSS has 3-year lock-in with potentially higher but risky returns. Use our PPF vs ELSS calculator for comparison.
Q: Can I extend PPF after 15 years?
A: Yes, in 5-year blocks with or without fresh contributions. Our PPF extension calculator after 15 years shows benefits of extension.
Q: Which is better - SBI or Post Office PPF?
A: Both offer same 7.1% interest. SBI provides better online facilities while Post Office has wider reach. Our SBI vs Post Office PPF calculator helps you decide.
Q: Can I open PPF for my child?
A: Yes, minors can have PPF accounts operated by guardians. Combined contribution limit is ₹1.5 lakh. Our PPF calculator for minors shows maturity when child turns 18.
Q: Is the PPF calculator free to use?
A: Yes, our PPF calculator online is completely free with unlimited usage, PDF downloads, and no registration required.