PPF Calculator (Public Provident Fund)
Calculate tax-free PPF returns using the current 7.1% government rate. Understand why PPF is the most powerful EEE instrument in India for long-term savings.
Investment Report
EQUIS Take (Asli Sach)
15 saal ke lock-in ki wajah se liquidity problem hai, par EEE tax status ki wajah se PPF ek lota fixed-income asset hai jo
The Math Behind PPF Calculator (Public Provident Fund)
Understanding the true mechanics of this instrument helps you make optimal decisions with your money.
1. Sovereign Guarantee
PPF is backed by the Government of India with no credit risk. Your money is absolutely safe, regardless of any bank failure.
2. Triple Tax Exemption (EEE)
PPF enjoys EEE status: Investment is exempt under Sec 80C, interest is exempt, and maturity is exempt — the only major instrument in India with all three tax benefits simultaneously.
3. 15-Year Lock-in Strategy
PPF's 15-year lock-in is its biggest drawback. Partial withdrawals are allowed from year 7. After maturity, extend in 5-year blocks for continued compounding without the tax burden.
Frequently Asked Questions
Can I withdraw from PPF before 15 years?expand_more
Can I extend PPF beyond 15 years?expand_more
PPF vs ELSS — 2026 mein kaunsa better hai 80C ke liye?expand_more
PPF mein ₹1.5 Lakh per year invest karne par 15 saal baad kitna milega?expand_more
PPF EEE tax benefit kya hota hai?expand_more
Government & Small Savings Benchmark Rates (Q2/Q3 FY26)
| Lending Institution / Scheme | Indicative Benchmark Rate | Key Insight / Terms |
|---|---|---|
| Post Office Recurring Deposit (RD) | 6.70% p.a. | Compounded quarterly. Sovereign guarantee backed by Govt of India. |
| Sukanya Samriddhi Yojana (SSY) | 8.20% p.a. | Completely tax-free under Section 80C and EEE tax category. |
| Senior Citizen Savings Scheme (SCSS) | 8.20% p.a. | Quarterly interest payout. Maximum investment ₹30 Lakhs. |
| Public Provident Fund (PPF) | 7.10% p.a. | Risk-free sovereign backing. Exempt-Exempt-Exempt (EEE) status. |
| Kisan Vikas Patra (KVP) | 7.50% p.a. | Compounded annually. Safe capital preservation vehicle. |
*Disclaimer: Benchmark rates are compiled directly from public bank filings and schedule circulars. Individual rate offers vary based on bureau score (CIBIL 750+), risk tiering, and loan-to-value (LTV) ratios.
Ensure Your Guaranteed Capital is Actually Beating Inflation
Fixed income offers security, but without tax optimization, inflation quietly erodes your purchasing power:
Sovereign government guarantee with complete EEE exemption for your daughter's future.
Prepaying small amounts early cuts your loan tenure by years and saves lakhs in interest.
Factor in property maintenance, inflation, and opportunity cost before committing to a 20-year loan.
Dealers quote low flat rates that are mathematically double when calculated on reducing balance.