PPF Calculator
See how a safe, tax-free PPF account can quietly compound into a serious corpus.
PPF has a 15-year base lock-in, extendable in 5-year blocks. The rate is set by the government each quarter (currently around 7.1%). Max ₹1.5 lakh/year.
How PPF works
The Public Provident Fund is a government-backed savings scheme with a 15-year lock-in (extendable in 5-year blocks). You can invest up to ₹1.5 lakh a year, the interest is set by the government each quarter, and crucially, both the interest and maturity amount are tax-free.
Why the slow start pays off
PPF compounds annually, so the early years feel underwhelming and the final years do the heavy lifting. That is exactly why starting early — and simply not touching it — is the whole game.
Disclaimer: Illustration only, using the rate you enter. The actual PPF rate is revised quarterly by the government. Not financial advice.
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