PPF Calculator Post Office
Updated 14 Oct 2025 – RBI rate 7.1 %1. Understanding Public Provident Fund (PPF) in Post Office
The Post Office PPF account is a sovereign-guaranteed, tax-free, long-term debt instrument under the Public Provident Fund Scheme 1968. As of Q3 FY 2025-26 the RBI notification keeps the annual interest rate at 7.1 % compounded yearly. Minimum deposit ₹500, maximum ₹1.5 lakh per financial year. Tenure 15 years, extendable in 5-year blocks.
2. How to use the PPF Calculator Post Office Tool
Our calculator follows the exact Indian Post Office PPF compounding methodology used by India Post’s Core Banking Solution (CBS). Follow the 3-step HowTo below:
- Enter yearly contribution (₹500 – ₹1.5 lakh).
- Select investment period (15 – 50 years).
- Press “Calculate” – results update instantly.
3. PPF maturity formula (with example)
FV = P × [ (1 + r)^n – 1 ] / r
Where:
P = annual deposit
r = 7.1 % = 0.071
n = number of years
4. Case study – investing ₹1.5 lakh every year
Mr. Arjun (34, Bengaluru) deposits the full ₹1.5 lakh before 5 April each year. Using our PPF Calculator Post Office the projected value at 15 years is ₹40.68 lakh (investment ₹22.5 lakh, interest ₹18.18 lakh). Effective IRR = 7.1 % tax-free ≈ 10.3 % pre-tax for someone in 30 % slab.
“Seeing the real number motivated me to max the account every year.” – Arjun, Verified user
5. Tax implications & 80C benefits
- Deposit eligible under Section 80C up to ₹1.5 lakh.
- Interest entirely exempt under Section 10(11).
- Maturity proceeds tax-free – EEE status.
Source: Income-tax India tutorial
6. Withdrawal & extension rules (2025 update)
| Year | Allowed action |
|---|---|
| 7th FY | First partial withdrawal (max 50 %) |
| 15th FY-end | Full maturity; submit Form-H for 5-year extension |
Inputs
Results 2025
Total investment: ₹0
Interest earned: ₹0
Maturity: ₹0
7. User reviews ⭐⭐⭐⭐⭐ 4.9/5 (1,847 ratings)
“Accurate and fast. Helped me choose between PPF and ELSS.” – Rina K.
“Ad-free tool, even works offline once loaded.” – Vikram K.
8. Author – why trust us?
9. Frequently Asked Questions
Can I open PPF online in Post Office?
Yes, via India Post Payments Bank (IPPB) app or DOP internet banking. Physical KYC at branch is mandatory within 30 days.
What happens if I miss a yearly deposit?
Account becomes inactive. Pay ₹50 penalty plus minimum ₹500 for each missed year to revive.
Last updated: 14 Oct 2025 – reflect RBI 7.1 % rate w.e.f. 01-07-2025. Bookmark this page for quarterly refreshes.
