Hộ gia đình xây dựng tài sản với kế hoạch dài hạn kỷ luật.
PPF Calculator
Calculate your PPF maturity value, interest earned, and tax savings under Section 80C. See year-by-year growth, partial withdrawal limits, and loan eligibility. Current rate: 7.1% p.a.
Cách chúng tôi tính toán - phương pháp, công thức & nguồnGiá trị đáo hạn PPF
₹40,68,209
1.8× your deposits - 100% tax-free
Depositing ₹1,50,000/year for 15 years at 7.1%.
Tổng đã gửi
₹22,50,000
₹1,50,000/yr × 15 yrs
Lãi đã kiếm
₹18,18,209
45% of maturity
Thành phần khi đáo hạn
Compounding building up
45% of your maturity is interest. A longer tenure would let compounding work harder.
Tiết kiệm thuế (Mục 80C - Chế độ cũ)
PPF has EEE (Exempt-Exempt-Exempt) status: deposits get 80C deduction, interest is tax-free, and maturity is tax-free.
Tăng trưởng số dư PPF
Tùy chọn thanh khoản
Loan (Year 3–6): Up to 25% of balance at end of 2nd preceding year. Earliest loan: ₹40,163 in year 3. Interest: PPF rate + 1%.
Partial withdrawal (Year 7+): Up to 50% of balance at end of 4th preceding year. Earliest withdrawal: ₹2,58,489 in year 7. One withdrawal per financial year. Tax-free.
| Year | Interest | Balance |
|---|---|---|
| 1 | ₹10,650 | ₹1,60,650 |
| 2 | ₹22,056 | ₹3,32,706 |
| 3 | ₹34,272 | ₹5,16,978 |
| 4 | ₹47,355 | ₹7,14,334 |
| 5 | ₹61,368 | ₹9,25,701 |
| 6 | ₹76,375 | ₹11,52,076 |
| 7 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹2,69,695 | ₹40,68,209 |
PPF rules: 15-year lock-in (extendable in 5-year blocks). Min deposit ₹500/year, max ₹1,50,000/year. Interest rate is set by the government and revised quarterly - currently 7.1% p.a. (FY 2025-26). Deposits before the 5th of each month earn interest for that month. One account per person (minors can have a separate account).