Post Office PPF Calculator

What is PPF and How It Works?

The Public Provident Fund (PPF) is a government-backed savings scheme designed to encourage long-term savings among Indian citizens. Individuals deposit a fixed amount annually, and the government offers attractive interest rates, compounded annually. PPF accounts have a maturity period of 15 years, and investors have the option to extend in blocks of 5 years.

The scheme falls under the EEE (Exempt-Exempt-Exempt) tax category, providing tax benefits on the principal, interest, and maturity amounts. The interest rates are fixed quarterly by the Ministry of Finance. As per the latest notifications applicable for FY 2025-26 and FY 2026-27, the PPF interest rate continues to remain at 7.1% per annum, compounded annually. PPF is a reliable and popular investment choice for those seeking stability and tax advantages.

PPF Calculator Post Office is a free online financial tool that helps in the easy and hassle-free computation of PPF related calculations within seconds. The Post Office PPF Calculator helps in calculating the yearly returns that an investor can earn by contributing a fixed amount for a fixed period of time. It is important to note that the PPF account comes with a tenure of 15 years and cannot be closed before the lock-in period except in certain cases.

How to Use Policybazaar's Postal PPF Calculator?

Post Office PPF Calculator is a simple and easy-to-use tool financial tool that calculates returns by following these simple steps:

Enter the annual contribution you wish to invest.

The PPF interest rate should be pre-filled in the calculator.

Specify the investment duration for your PPF account.

Once these details are input, the calculator will present the overall investment, accrued interest, and the total amount at maturity.

Explore other investment options on Policybazaar to discover plans with attractive returns.

FAQ's

How much will I get after 15 years in PPF?

The amount you will get after 15 years in PPF depends on your monthly contribution and the interest rate. Assuming an interest rate of 7.1% p.a. applicable for FY 2025-26 and FY 2026-27, you will get approximately Rs. 1.35 lakh after 15 years if you invest Rs. 5,000 per year.

What if I invest 5000 every month in PPF?

PPF does not allow monthly investments as a separate limit. If you invest Rs. 5,000 every month, your annual contribution becomes Rs. 60,000, and the estimated maturity amount after 15 years at 7.1% p.a. will be approximately Rs. 16.3 lakh.

Can I have 2 PPF accounts?

No, you cannot have two PPF accounts under your own name. However, you can open a PPF account for your minor child.

Can we extend PPF after 15 years?

Yes, you can extend your PPF account after 15 years in blocks of 5 years. To extend your PPF account, you need to submit a form at your PPF account office.

How accurate is the PPF Calculator?

The PPF Calculator helps the investor identify the estimated returns receivable at the end of the policy tenure based on the current interest rates. Since PPF interest rates are reviewed quarterly by the government, actual maturity values may differ slightly from calculator estimates.

How much returns to expect after the completion of 15 years of PPF years?

The principal amount of investment plus the interest earned throughout the PPF tenure is the returns an investor should expect at the end of the 15-year PPF tenure.

Can the PPF amount be withdrawn before 5 years?

No. Partial withdrawals can be made only after completion of the 6th financial year, subject to prescribed conditions.

What are the minimum and maximum limits of investment in the PPF account?

The minimum amount an investor needs to add annually in their PPF account is Rs. 500 whereas the maximum amount that can be invested in a year is Rs. 1,50,000, unchanged as per the Union Budget 2026.