SmartBachao → 🏦 PPF Calculator India 2026 — Tax-Free Savings🏦 PPF Calculator India 2026 — Tax-Free Savings
🏦 PPF Calculator India 2026 — Tax-Free Savings
🏦 PPF Calculator India 2026 — Tax-Free Savings
PPF में invest करने पर कितना मिलेगा? Free calculator से जानें। Government-backed, tax-free, 100% safe investment।
How much will you get from PPF investment? Find out with free calculator. Government-backed, tax-free, 100% safe investment.
🗓 Last Updated: May 2026✍️ SmartBachao Editorial Team🔍 Fact checked: May 2026
📖 Calculator कैसे use करें
अपनी details भरें → Calculate बटन दबाएं → Result देखें। सभी amounts example figures हैं — actual results vary करती हैं।
Fill in your details → press Calculate → see results. All amounts are example figures — actual results vary.
🏦 PPF Calculator — Maturity Amount जानें
🏦 PPF Calculator — Know Your Maturity Amount
PPF क्या है और क्यों है यह खास?
What is PPF and Why is it Special?
PPF (Public Provident Fund) एक government-backed savings scheme है। यह India के safest investment options में से एक है। इसकी खासियत है EEE status — मतलब invest करने पर tax deduction (80C), interest पर कोई tax नहीं, और maturity पर भी tax नहीं।
PPF (Public Provident Fund) is a government-backed savings scheme. It's one of India's safest investment options. Its special feature is EEE status — meaning tax deduction on investment (80C), no tax on interest, and no tax at maturity either.
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Government Backed
100% safe — government guarantee। कभी default नहीं होगा।
100% safe — government guarantee. Will never default.
7.1% per annum — government quarterly set करती है। FD से usually better।
7.1% per annum — government sets quarterly. Usually better than FD.
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Lock-in
15 साल minimum। 5 साल बाद partial withdrawal possible। Loan facility भी।
Minimum 15 years. Partial withdrawal possible after 5 years. Loan facility also available.
PPF में कितना invest करें?
How Much to Invest in PPF?
Yearly InvestmentYearly Investment
15 साल बादAfter 15 years
Total InvestedTotal Invested
Tax Saving/yearTax Saving/year
₹12,000/year
~₹33 lakh
₹1.8 lakh
₹3,600 (30% bracket)₹3,600 (30% bracket)
₹50,000/year
~₹1.39 cr
₹7.5 lakh
₹15,000 (30% bracket)₹15,000 (30% bracket)
₹1,50,000/year (max)
~₹4.16 cr
₹22.5 lakh
₹45,000 (30% bracket)₹45,000 (30% bracket)
नोट: 7.1% rate assume किया है। Rate quarterly बदल सकता है।
Note: 7.1% rate assumed. Rate can change quarterly.
PPF कहाँ खुलवाएं?
Where to Open PPF?
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Post Office
Sबसे popular। Any Post Office में। Passbook मिलती है। Rural areas में best option।
Most popular. Any Post Office. Passbook provided. Best option in rural areas.
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SBI, PNB
Government banks में PPF account। Online banking से manage कर सकते हैं।
PPF account in government banks. Can manage through online banking.
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HDFC, ICICI, Axis
Private banks में भी PPF। Full online management। Mobile app से।
PPF in private banks too. Full online management via mobile app.
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Pro Tip
हर साल 1 April से पहले invest करें — पूरे साल का interest मिलेगा। 5 से पहले हर month।
Invest before 1 April every year — get full year's interest. Before 5th of every month.
SmartBachao Tip: PPF ₹500/year से भी शुरू होती है। Minimum ₹500, Maximum ₹1,50,000/year। PPF को retirement planning का foundation बनाएं — guaranteed return, tax free, government backed। 15 साल बाद extend करते रहें।
SmartBachao Tip: PPF can be started with as little as ₹500/year. Minimum ₹500, Maximum ₹1,50,000/year. Make PPF the foundation of retirement planning — guaranteed return, tax free, government backed. Keep extending after 15 years.
PPF का पैसा बीच में निकाल सकते हैं?Can you withdraw PPF money in the middle?+
5 साल बाद partial withdrawal possible है — certain conditions पर। Medical emergency, education के लिए। Loan भी मिल सकता है 3rd से 6th year के बीच। Full withdrawal सिर्फ maturity (15 साल) पर।
Partial withdrawal is possible after 5 years — under certain conditions. For medical emergency, education. Loan is also available between 3rd and 6th year. Full withdrawal only at maturity (15 years).
PPF rate बदलता रहता है?Does the PPF rate keep changing?+
हाँ — government हर quarter PPF rate review करती है। Last several years से 7.1% है। Rate बदलने पर existing balance पर नया rate लागू होता है। लेकिन यह government-backed है — rate कभी भी बहुत कम नहीं होती।
Yes — the government reviews PPF rate every quarter. It has been 7.1% for the last several years. When rate changes, the new rate applies to the existing balance. But since it's government-backed — the rate never becomes too low.