Post Office PPF Calculator

Frequently Asked Questions (FAQs)

• Q. How much will I get after 15 years in PPF?

  Ans: Your final payout depends on how much you deposit each year:

  • ₹5,000 per year: Returns ₹1,35,607 (₹75,000 deposited + ₹60,607 interest).
  • ₹50,000 per year: Returns ₹13,56,070 (₹7,50,000 deposited + ₹6,06,070 interest).
  • ₹1,00,000 per year: Returns ₹27,12,139 (₹15,00,000 deposited + ₹12,12,139 interest).
  • ₹1,50,000 per year (Maximum): Returns ₹40,68,209 (₹22,50,000 deposited + ₹18,18,209 interest).

• Q. What is PPF 1000 per month?

  Ans: Investing ₹1,000 every month (₹12,000 a year) in a Public Provident Fund (PPF) builds a safe, tax-free financial cushion over time.

  Here is the quick 15-year snapshot at the current 7.1% per annum interest rate:

  • Total Money Deposited: ₹1,80,000 (₹12,000 × 15 years)
  • Interest Earned: ₹1,35,572 (100% tax-free)
  • Final Maturity Value: ₹3,15,572

• Q. Can I have 2 PPF accounts?

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

• Q. Can we extend PPF after 15 years?

  Ans: 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.

• Q. Can I deposit 1.5 lakh cash in my PPF account?

  Ans: Yes, you can deposit up to ₹1.5 lakh in cash into your PPF account per financial year. However, individual bank or post office branches may have daily cash deposit limits or require PAN details for cash transactions exceeding ₹50,000. For convenience, electronic transfers (like NEFT, RTGS, or net banking) are recommended.

• Q. How much return to expect after the completion of 15 years of PPF?

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

• Q. Can we keep a PPF Account for 30 years?

  Ans: Yes, you can keep a PPF account for 30 years or longer. While the initial lock-in period is 15 years, the government allows you to extend your account indefinitely in 5-year blocks. To complete 30 years, you simply need to extend your account three times after the initial maturity period.

• Q. Is it better to open a PPF account in a bank or a post office?

  Ans: Since PPF is a government-regulated scheme, both post offices and banks offer the same interest rate (7.1% p.a.), tax benefits (EEE status), and 15-year tenure. The main difference comes down to convenience: major banks (like SBI, HDFC, or ICICI) usually offer seamless online opening, automated monthly transfers, and instant balance checks via mobile apps, whereas post offices may require more physical branch visits depending on your local post office's digital infrastructure.

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

  Ans: The minimum amount an investor needs to add annually to 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.

• Q. Can I withdraw 100% of the PPF amount?

  Ans: Yes, you can withdraw 100% of your PPF account balance, but only upon completing the full 15-year maturity period. Once your account matures, the entire accumulated balance, including your principal deposits and tax-free interest, can be withdrawn in a single tax-free lump sum.