PPF Calculator
Tax-free PPF corpus over 15+ years.
Maturity corpus
₹40.68 L
PPF has a 15-year lock-in, extendable in 5-year blocks. The rate is set quarterly by the government (7.1% currently assumed). Interest is fully tax-free (EEE).
Why PPF remains unbeatable for safe money
PPF is exempt-exempt-exempt: the ₹1.5L yearly contribution qualifies under 80C (old regime), interest accrues tax-free, and the maturity is tax-free. A 7.1% tax-free return equals roughly 10.2% pre-tax for someone in the 30% bracket — with sovereign safety.
Frequently asked questions
Can I withdraw before 15 years?
Partial withdrawals are allowed from year 7, and loans against balance from year 3. Full closure before 15 years is permitted only for specific reasons (medical, education) with a small interest penalty.
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