Plan your long-term savings with our free PPF Calculator for FY 2025-26, designed for Indian investors in cities like Mumbai, Delhi, Bengaluru, and beyond. Calculate your Public Provident Fund (PPF) maturity amount, interest earned, and tax-free savings instantly. PPF is a secure, government-backed investment offering tax-free returns under Section 10(11) and deductions up to ₹1,50,000 under Section 80C. Whether you’re a salaried professional, self-employed, or planning for retirement, our tool helps you estimate returns, understand PPF eligibility, and comply with withdrawal and loan rules. Explore related tools like our Income Tax Calculator or NPS Calculator for comprehensive financial planning.
Plan your tax-free savings with our free PPF calculator for FY 2025-26, designed for Indian investors.
Estimate your PPF returns with the current interest rate of 7.1% and tenures up to 30 years.
Get instant savings projections for secure, long-term investments.
| Year | Investment (₹) | Interest (₹) | Balance (₹) |
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The Public Provident Fund (PPF) is a popular tax-saving investment for Indian residents. Below are the key eligibility criteria and rules for FY 2025-26 to help you maximize your savings.
Resident individuals and guardians for minors can open a PPF account at post offices or designated banks. Non-Resident Indians (NRIs) and Hindu Undivided Families (HUFs) are not eligible. Only one account is allowed per individual, and multiple accounts are merged with excess contributions earning no interest.
Annual investments range from ₹500 to ₹1,50,000, payable in up to 12 instalments. Contributions qualify for Section 80C deductions up to ₹1,50,000, and both interest and maturity proceeds are tax-free under Section 10(11).
The PPF account has a 15-year lock-in period, extendable in 5-year blocks with or without further contributions. Apply for extension within one year of maturity at your bank or post office.
Partial withdrawals are allowed from the 7th year, up to 50% of the balance at the end of the 4th or preceding year, once annually. Premature closure is permitted after 5 years for specific reasons like medical emergencies or higher education, subject to a 1% interest rate reduction.
Loans are available from the 3rd to 6th year, up to 25% of the balance at the end of the second preceding year, repayable within 36 months at 1% above the PPF interest rate.
Missing the annual deposit deadline (March 31, 2026) makes the account inactive. Reactivate with a ₹50 penalty per year of default plus ₹500 minimum deposit per missed year.
A PPF Calculator is an online tool that estimates the maturity amount, total invested, and interest earned under the Public Provident Fund (PPF) scheme in India, based on annual investment, tenure, and interest rate.
PPF maturity is calculated using the compound interest formula for annual contributions, with interest compounded annually at the end of each financial year.
For FY 2025-26, PPF allows annual investments between ₹500 and ₹1,50,000, in up to 12 instalments, but this calculator assumes a single annual lump sum.
Yes, PPF interest and maturity proceeds are tax-free under Section 10(11), and investments qualify for Section 80C deductions up to ₹1,50,000.
Yes, PPF accounts can be extended in 5-year blocks after 15 years, with or without further contributions, as per rules in FY 2025-26.
The PPF interest rate for FY 2025-26 is currently 7.1% per annum, subject to quarterly revisions by the Government of India.
Partial withdrawals are allowed from the 7th year, up to 50% of the balance at the end of the 4th or preceding year, once annually.
Resident individuals and guardians for minors can open PPF accounts. NRIs and HUFs are not eligible.
PPF offers guaranteed, tax-free returns but has a 15-year lock-in. ELSS has a 3-year lock-in but market risks, while NPS offers retirement benefits. Use our NPS Calculator for comparison.
No, only one PPF account is allowed per individual. Multiple accounts are merged, and excess contributions earn no interest.
Missing the March 31, 2026, deadline means no further deposits for FY 2025-26. You can resume in FY 2026-27, but a ₹50 penalty per year of default applies to reactivate an inactive account.
Yes, loans are available from the 3rd to 6th year, up to 25% of the balance at the end of the second preceding year, repayable within 36 months.