Can I extend PPF beyond 15 years?

Yes. PPF can be extended in 5-year blocks indefinitely — with or without contributions. Both remain fully tax-free under EEE status.

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.

＋Equis / Investment Analytics

FORM PPF · REV. 01

verifiedGovt Rate (Q3 2026): 7.1% p.a.

Annual Investment

Max ₹1,50,000 per year

₹

Investment Tenure

15 years minimum

Years

ASSET

Investment Report

Total Invested₹7,50,000

Returns / Interest Earned₹6,06,070

PPF Maturity (Tax-Free)₹13,56,070

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

sach mein inflation ko tax ke baad bhi beat kar pata hai.

The Math Behind PPF Calculator (Public Provident Fund)

Understanding the true mechanics of this instrument helps you make optimal decisions with your money.

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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.

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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.

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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

Partial withdrawals (up to 50% of balance at end of 4th year) are allowed from year 7. Full premature closure is only allowed for life-threatening illness, higher education, or if the account holder becomes a non-resident.

Can I extend PPF after 15 years?expand_more

Yes, PPF can be extended indefinitely in 5-year blocks after maturity — either with continued contributions (and continuing 80C benefits) or without (only interest accrues). Both options remain fully tax-free.