EPF & VPF Calculator
Calculate employee + employer Provident Fund corpus, 8.25% interest, and EPS pension.
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PPF Calculator · Official Calculation Report
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પીપીએફ (PPF) કેલ્ક્યુલેટર
Calculate your Public Provident Fund (PPF) maturity value, annual compounding interest, and year-by-year corpus with official 15-year statutory lock-in rules and EEE tax exemption.
🏛️ Official Rate: Rate as of 31 October 2026 (7.1% p.a.)•Dept of Economic Affairs Official Source•Verification: Official Circular Sourced
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🛡️ 100% Tax-Free (EEE)
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PPF Account Parameters
PPF Maturity Summary
| Total Invested | ₹22,50,000 |
| Total Interest Earned | ₹18,18,209 |
| Account Tenure | 15 Years |
| Effective Yield | 80.8% on Capital |
Corpus Composition
Principal vs Interest
Principal Deposited (55.3%)
Interest Earned (44.7%)
Triple Tax Advantage (EEE): PPF deposits qualify for Section 80C deductions (up to ₹1.5L/year under Old Regime). Interest earned is completely tax-free, and the entire maturity corpus is exempt from income tax.
Year-by-Year PPF Growth Schedule
Inspect annual deposits, government interest credited, and compounding maturity balance.
| Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance | Total Invested |
|---|
Interest is calculated on the minimum balance between the 5th and the last day of each month and credited on 31st March every year.
Key Insights
- Sovereign Guarantee 100% Backed by Govt.
- Triple Exempt (EEE) Zero Tax at All Stages
- Compounding Rule Annual on 31st March
- Best Deposit Window 1st to 5th of Month
Quick Facts
- Deposit Limits Min ₹500 • Max ₹1.5 Lakh
- Loan Facility Available Yr 3 to Yr 6
- Partial Withdrawals Allowed from Year 7
- Extensions Unlimited 5-Yr Blocks
Useful Calculators
Frequently Asked Questions
Why is depositing before the 5th of every month important?
Under statutory PPF scheme rules, monthly interest is calculated on the minimum balance held between the close of the 5th day and the end of the calendar month. If you deposit after the 5th, that deposit will not earn interest for that entire month.
What is the EEE status of PPF?
Exempt-Exempt-Exempt (EEE) means: (1) Contributions are tax-deductible up to ₹1.5 Lakh under Section 80C (Old Regime), (2) Interest credited every year is completely tax-free, and (3) The entire lump sum maturity withdrawal is exempt from income tax.
Can I extend PPF after 15 years?
Yes. Upon completing the 15-year tenure, you can extend your account in blocks of 5 years indefinitely. You can choose to extend with fresh annual contributions or without making any further contributions while continuing to earn interest.
Can PPF be attached by a court order or creditors?
No. Under Section 15 of the Government Savings Promotion Act, 1873, a PPF account balance cannot be attached by any court decree or liability to creditors, providing supreme wealth protection.