PPF Calculator – Public Provident Fund Interest Rate Calculator Online

The Public Provident Fund (PPF) is the preferred investment option from the Indian government for individuals wanting to save for the long term and earn back with interest. With low-risk and tax-saving benefits, one can consider investing in PPF monthly, quarterly, or yearly.

The current PPF interest rate is 7.10%, and a minimum lock-in duration of 15 years is required. Among all the advantages, PPF allows you to borrow money to cover emergency needs. To know how much you will earn in maturity, you can use the PPF calculator. This handy tool can help you get the exact details.

What is PPF?

Established in 1968, the PPF is a well-crafted investment option for those who want to have savings and gain good interest. It is an investment vehicle that combines savings on annual taxes and helps you during retirement corpus. Thus, opening a PPF account is recommended for everyone searching for a secure investment alternative to save taxes and yield assured profits.

Public Provident Fund
(PPF) Calculator

What is a PPF Calculator?

PPF online calculator, like other investment calculation tools, offers users an idea about the total money one can receive after the maturity period. You need to enter details of the investment you are doing, the timeline, and the rate of interest. The calculator will show you the result of the maturity amount you will receive.

How is the PPF Calculator used?

The PPF calculator uses the formula-

  • F = P[({(1+i)^n}-1)/i]
  • F = Maturity
  • P = Annual installments
  • n = Number of years
  • i = Rate of interest/100

Importance of using PPF Calculator

The PPF online calculator can help you in many ways. Some of the reasons to use the tool are-

  • The online PPF calculator is a quick way to figure out your PPF interest accrual and maturity amount.
  • The tool is completely free and is easy to use. If there are any recent changes in the interest rate, it is automatically updated and gives you the result.
  • You can invest the initial amount monthly, quarterly, or yearly. You may get all the information you require using the online pdf calculator.

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Investing in PPF for the next 15 minutes will give you a substantial return that you can use for a particular purpose. Moreover, the online PPF calculator will help you understand the returns you can expect after years of investment.

FAQs – PPF Calculator

1. What is the lock-in period of PPF investment?

Ans. The total lock-in period for PPF investment is 15 years.

2. How much minimum investment do I need to do in PPF?

Ans. You can make a minimum of Rs 500 investment in PPF.

3. Why should I invest in PPF?

Ans. PPF is a government tool and completely risk-free. Moreover, the PPF doesn’t influence the market condition like other fund investments.

4. Is it reliable to use the PPF online calculator?

Ans. Yes, the online PPF calculator is entirely reliable to use.

5. What are the tax benefits of PPF?

Ans. Section 80c of the IT Act 1961 allows you to deduct the PPF deposits. The maximum annual deduction under section 80c is ₹1,50,000, provided all investments are included in the deduction.

6. What are the eligibility criteria to invest in PPF?

Ans. An individual needs to have an account in their name. Other than this, there are no such eligibility criteria. However, NRIs and HUF individuals are not eligible.

7. When will my PPF investment mature?

Ans. The maturity of the PPF account is 15 years after the account opening date. After the maturity term, the account can be extended for five years by filing a request to the bank or post holding your PPF account.