What is PPF Calculator?
PPF Calculator ek free investment tool hai jo Public Provident Fund me aapke 15 saal ke investment ka total return nikalta hai. Aap jitna har saal jama karte hain, kitna interest banta hai, aur maturity par kitna paisa milega ye sab 1 click me pata chal jata hai. 2026 me PPF rate 7.1% hai with yearly compounding.
What is Public Provident Fund - PPF?
PPF Bharat Sarkar ki 15 saal ki saving scheme hai. Isme tax bachata hai aur interest bhi guaranteed milta hai. Ek saal me aap minimum 500 aur maximum 1.5 Lakh tak jama kar sakte hain. Interest har saal 1 April ko account me jod diya jata hai. Ye EEE category me aata hai matlab Exempt-Exempt-Exempt.
Key Features of PPF 2026
1. Safe Investment: Sarkar ki guarantee hai. Paisa doobne ka risk 0%
2. Tax Free: 80C me 1.5 Lakh tak deduction. Maturity aur interest bhi tax free
3. 15 Year Lock-in: 15 saal tak paisa nahi nikal sakte. 5 saal baad partial nikal sakte hain
4. Current Rate: 2026 me interest rate 7.1% per annum hai. Har 3 mahine me govt rate update karti hai
5. Loan Facility: 3 saal ke baad aap PPF balance par loan le sakte hain
How Does PPF Interest Calculation Work?
PPF me interest yearly compounding hota hai. Har mahine 5 tarikh se pehle jama kiya hua paisa us mahine interest ke liye count hota hai. Isliye sabse best tarika hai 5 April se pehle pure saal ka paisa ek sath jama karna.
Formula: Maturity = P * [{(1+i)^n -1} / i] * (1+i)
P = Yearly Deposit, i = Interest Rate, n = Years
How to Use PPF Calculator?
Step 1: "Yearly Deposit Amount" me 500 se 1,50,000 tak ki amount dalein
Step 2: "Interest Rate %" me current rate dalein. Default 7.1% hai
Step 3: "Years" me 15 daal dein. PPF 15 saal ka hi hota hai
Step 4: "Calculate PPF" dabayein. Niche Maturity Amount, Total Invested aur Interest Earned aa jayega
PPF Investment Examples
Example 1: Max Limit
Yearly Deposit: ₹1,50,000 | Rate: 7.1% | Years: 15
Total Invested: ₹22,50,000
Interest Earned: ₹18,18,332
Maturity Amount: ₹40,68,332
Example 2: 5000 per Month
Yearly Deposit: ₹60,000 | Rate: 7.1% | Years: 15
Total Invested: ₹9,00,000
Interest Earned: ₹7,27,332
Maturity Amount: ₹16,27,332
Example 3: 1000 per Month
Yearly Deposit: ₹12,000 | Rate: 7.1% | Years: 15
Total Invested: ₹1,80,000
Interest Earned: ₹1,45,466
Maturity Amount: ₹3,25,466
PPF vs FD vs Mutual Fund - Kaunsa Better?
1. PPF: 100% Safe, Tax Free, 7.1% Return, 15 Year Lock-in
2. FD: Safe, 6-7% Return, Taxable, 1-5 Year Lock-in
3. Mutual Fund: Risky, 10-12% Return, Taxable, No Lock-in
Jo log risk nahi lena chahte unke liye PPF best hai. Long term wealth banane ke liye.
Who Should Invest in PPF?
1. Salaried Person: Tax bachane + retirement planning ke liye
2. Businessman: Safe jagah par har saal paisa lagane ke liye
3. Housewives: Chote amount se badi corpus banane ke liye
4. Parents: Bachon ke future ke liye 15 saal ka plan
Important PPF Rules You Must Know
1. 15 saal baad 5-5 saal extend kar sakte hain
2. 7 saal baad har saal 1 baar partial withdrawal allowed hai
3. Account ko active rakhne ke liye har saal 500 jama karna zaruri hai
4. Nomination karna mat bhulo
FAQ - PPF Calculator
Q1: What is the current PPF interest rate in 2026? April 2026 me PPF interest rate 7.1% per annum hai. Govt har quarter me review karti hai.
Q2: Can I deposit more than 1.5 Lakh in PPF? Nahi, ek financial year me max 1.5 Lakh hi deposit kar sakte hain. Zyada kiya to interest nahi milega.
Q3: Is PPF interest taxable? Nahi, PPF ka interest aur maturity amount dono income tax free hain. Section 10(11) ke under.
Q4: What happens after 15 years? 15 saal baad aap pura paisa nikal sakte hain ya 5-5 saal ke liye extend kar sakte hain. Extend karne par bhi interest milta rahega.
Calculate PPF maturity amount instantly. Our free PPF Calculator India 2026 uses current 7.1% interest with yearly compounding.
What is PPF Calculator?
PPF = Public Provident Fund. 15 Year Govt Scheme. This tool calculates total maturity, interest earned, and investment on yearly deposit of ₹1.5 Lakh max.
PPF Calculator Tool
How to Use PPF Calculator
Step 1: Enter Yearly Deposit Amount. Max ₹1.5 Lakh.
Step 2: Interest is 7.1% for 15 Years fixed.
Step 3: Click `Calculate PPF`.
Example
₹1,50,000/year @7.1% for 15 Years = ₹40.68 Lakh
Total Invested: ₹22.5 Lakh | Interest: ₹18.18 Lakh
FAQ
Q1: What is PPF lock-in?
15 Years lock-in. Partial withdrawal after 5 years.
Q2: Is PPF Tax Free?
Yes, EEE status under Section 80C.
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