🏦 PPF Maturity Calculator
Calculate PPF returns for 15-50 years with tax savings.
Open PPF Calculator →PPF Key Facts 2026
| Feature | Details |
|---|---|
| Current Interest Rate | 7.1% p.a. (compounded annually) |
| Minimum Investment | Rs.500/year |
| Maximum Investment | Rs.1,50,000/year |
| Lock-in Period | 15 years (extendable) |
| Partial Withdrawal | Allowed from 7th year |
| Tax Status | EEE — Exempt, Exempt, Exempt |
EEE Tax Status — What It Means
- E1 — Exempt at investment: Rs.1.5 lakh deductible under Section 80C (old regime only)
- E2 — Exempt interest: 7.1% interest is completely tax-free
- E3 — Exempt at maturity: Full maturity amount is tax-free
💡 Compare: FD interest is fully taxable at slab rate. At 30% slab, 7.1% FD gives effective 4.97%. PPF 7.1% gives full 7.1% — making PPF significantly better than FD for high-income earners.
PPF vs SIP vs FD (15-year comparison, Rs.1.5 lakh/year)
- PPF @ 7.1%: ~Rs.40.68 lakh (tax-free)
- FD @ 7.0%: ~Rs.37 lakh (taxable each year)
- Equity SIP @ 12%: ~Rs.75 lakh (LTCG tax above Rs.1L)
PPF wins over FD for tax efficiency. Equity SIP wins for long-term wealth — but with market risk. Use PPF as the safe, stable part of your portfolio.
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