PPF (Public Provident Fund) Calculator
Ministry of Finance 7.1% p.a. sovereign guaranteed returns with 15-year maturity and 100% EEE tax-exempt status.
PPF (Public Provident Fund) Calculator
Official Ministry of Finance rate (7.1% p.a.) with Sovereign Guarantee & 100% EEE Tax Exemption
PPF accounts can be extended indefinitely in 5-year blocks.
Current rate is 7.1% compounded annually (notified quarterly by RBI/Finance Ministry).
₹40,68,208
Zero Tax at deposit, zero tax on annual interest, and zero tax on withdrawal
Total Principal Deposited
₹22,50,000
55% of maturity value
Guaranteed Interest Earned
₹18,18,208
45% pure compounding gain
Tax Saved Under 80C
₹7,02,000
Cumulative tax savings (in 30% slab)
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Public Provident Fund & Sovereign Wealth Counsel
Government Savings & EEE Tax Shield Specialist · Digital Bharat Law
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Understanding PPF (Public Provident Fund) Calculator
The Public Provident Fund (PPF) is India's most trusted government-backed long-term savings instrument, established under the Public Provident Fund Act, 1968. It operates under the coveted EEE (Exempt-Exempt-Exempt) tax status.
The statutory interest rate is declared quarterly by the Ministry of Finance (currently 7.1% p.a., compounded annually). The tenure is 15 financial years, extendable in blocks of 5 years with or without fresh contributions.
* Interest earned and maturity proceeds are 100% exempt from income tax under Section 10(11).
Key Regulatory Rules & Thresholds (FY 2025–27)
Essential departmental provisions, tax brackets, and statutory compliance mandates.
Triple Tax Exemption (EEE)
100% EEE StatusInvestment qualifies for Section 80C deduction, interest is tax-free, and final maturity proceeds are 100% tax-exempt.
Statutory Deposit Limits
₹1.5L LimitMinimum deposit is ₹500/year; maximum is ₹1,50,000/year across all PPF accounts held by an individual.
The 5th of the Month Rule
Critical TimingInterest is calculated on the lowest balance between the close of the 5th day and the end of the month. Always deposit by the 5th!
Immunity from Court Attachment
Legal ProtectionPPF balances cannot be attached by any court decree or creditor claim under the Government Savings Banks Act, 1873.
Frequently Asked Questions
Authoritative answers to common questions verified by our accredited legal & compliance panel.
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