Calculate tax-free EEE (Exempt-Exempt-Exempt) government-backed returns over 15+ year tenures.
Adjust numerical values below or drag sliders to recalculate trajectory in real time.
Total annual deposit into your PPF account (Maximum tax-free limit is ₹1,50,000 per financial year).
Current sovereign-backed PPF interest rate announced by the Ministry of Finance quarterly (Currently 7.1%).
PPF has a mandatory lock-in period of 15 years, extendable in blocks of 5 years thereafter.
Interactive visual breakdown of principal invested vs. wealth gain / interest over time.
Comprehensive guide covering foundational concepts, regulatory rules, and advanced strategies.
The Public Provident Fund (PPF) is a premier long-term sovereign savings scheme established by the Government of India in 1968. Its greatest superpower is the EEE (Exempt-Exempt-Exempt) tax status: your annual deposit is tax-deductible under Section 80C (up to ₹1.5 Lakh), the annual interest accrued is completely tax-exempt, and the final maturity corpus at the end of 15 years is 100% tax-free.
To maximize PPF returns, always deposit your annual contribution before the 5th of April. PPF regulations calculate interest on the minimum balance between the 5th day and the end of each month. If you deposit on April 6th instead of April 4th, you lose interest for the entire month of April! Furthermore, upon completing the mandatory 15-year tenure, you can extend the account indefinitely in blocks of 5 years with or without fresh contributions while continuing to earn tax-free compound interest.