PPF Calculator

Investing ₹12,500 per month or ₹1.50 lakh annually in a PPF account can yield approximately ₹2.27 crore at maturity, considering the current PPF interest rate of 7.10%.

The lock-in period for a PPF Account is 15 years from the date of opening. However, you can extend this tenure by five years by submitting an application. You can extend your PPF by a block of 5 years several times. With HDFC Bank’s PPF Calculator, you can check your projected maturity value multiple times to help you plan ahead. Setting a financial goal with our PPF Account Calculator will also allow you to have a clear plan in mind about how much you need to invest every year.

You can withdraw the entire PPF balance after the lock-in period of 15 years expires. Additionally, you can opt for partial withdrawal prior to the expiration of the maturity period. This feature only becomes available from the 7th financial year for emergency purposes. Even this amount can be accounted for in advance with our PPF calculator, as it allows you to identify your return at maturity.

The PPF Account interest rate is set by the Ministry of Finance on a quarterly basis. As far as the current PPF interest rate is concerned, for the quarter ending in June 2022, it has been fixed at 7.1% per annum.

You can invest in a PPF for 30 years. Initially, PPF has a maturity period of 15 years, but it can be extended in blocks of 5 years.

Yes, the PPF amount received on maturity is tax-free. The deposits and the interest earned are exempt from tax under Section 80C of the Income Tax Act.

Using a PPF Calculator can be very useful. Firstly, it helps you save the time manual calculations would have taken you. It is also easily accessible online, and you can use it for free. A PPF Calculator also helps you plan ahead by showing you the maturity value of your investment as per your financial goals and needs in the future. 
Certain PPF Calculators, like the one offered by HDFC Bank, provide a breakup of your initial investment and interest earned. This breakup helps you see how your investment has paid off. 

PPF interest is computed on the lowest balance amount in the account between the 5th and last day of the month. Interest is paid to the account at the end of every financial year, regardless of where the account stands. Thus, although PPF interest is calculated on a monthly basis, it is credited to your account on a yearly basis. Our PPF Account Calculator can also be used as a PPF Interest Calculator to estimate the returns you would earn at maturity.

Using a PPF Calculator is simple. You simply have to plug in the details regarding your PPF investment as required. 
The HDFC Bank PPF Calculator requires you to input details like the number of deposits every year and the amount deposited. Once you provide this information, the calculator will show you the total maturity amount and the interest earned almost instantly. Quick and convenient, the PPF Calculator provided by HDFC Bank makes conducting your PPF calculations so easy!

Yes, partial withdrawal from a PPF account is allowed after the account has been operational for at least 7 years. However, full withdrawal is only possible upon maturity after 15 years.

PPFs have also become a preferential investment option for many because of the tax benefits they provide. PPFs fall within the EEE (exempt-exempt-exempt) category. Thus, with PPFs, you get triple tax exemptions under the Income Tax Act 1961.
You can enjoy tax exemptions at the time of investing, accrual and withdrawal. Under Section 80C of the Act, you can avail a deduction of up to INR 1.5 lakh in each financial year on a PPF. Plus, the interest you earn every year is also tax-exempt. Lastly, the corpus that you withdraw upon maturity is also exempt from tax.