Question 1

What is PPF and what is the current interest rate?

Accepted Answer

PPF (Public Provident Fund) is a government-backed savings scheme with a 15-year lock-in. Current rate (2025): 7.1% p.a., compounded annually. Interest is completely tax-free. EEE (Exempt-Exempt-Exempt) status: deposit deductible under 80C, interest tax-free, maturity tax-free.

Question 2

What is the PPF deposit limit?

Accepted Answer

Minimum ₹500/year, Maximum ₹1,50,000/year. Deposits can be made as lump sum or up to 12 instalments per year. Deposits between 1st–5th of the month earn interest for that month — deposit early each month for maximum benefit.

Question 3

Can I withdraw from PPF before 15 years?

Accepted Answer

Partial withdrawal is allowed from Year 7 onwards (up to 50% of balance at end of Year 4 or preceding year, whichever is lower). Premature closure is allowed after 5 years in cases of serious illness or child's higher education. Full withdrawal only at maturity (15 years) or extensions.

Question 4

How do I use this calculator?

Accepted Answer

Enter your values in the yellow input fields (or drag the sliders). All results update instantly — no submit button needed. Every field has a tooltip explaining what to enter. For the best experience, use realistic numbers from your actual financial situation.

Question 5

Are these calculations updated for FY 2025-26?

Accepted Answer

Yes. All tax-related calculators (Income Tax, HRA, NPS) are updated with FY 2025-26 slab rates including the new regime with ₹75,000 standard deduction and ₹7 lakh rebate. Investment return assumptions reflect current market conditions.

Question 6

Can I save or download my calculator results?

Accepted Answer

You can screenshot your results directly from the browser. For a fully editable, downloadable version with formulas, year-wise projections, and detailed breakdowns, purchase our Excel model packs starting at ₹499 — the same calculation in a professional spreadsheet format.

PPF Calculator

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