पीपीएफ कॅल्क्युलेटर

वर्षनिहाय तपशिलासह पब्लिक प्रॉव्हिडंट फंडाची (पीपीएफ) मुदतपूर्ती रक्कम काढा

पीपीएफ: दरवर्षी 7.1%, वार्षिक चक्रवाढ (एप्रिल 2020 पासून बदल नाही). October–December २०२६ साठीचा दर, ३० September २०२६ रोजी जाहीर; सरकार दर तिमाहीला त्याचा आढावा घेते.

आपण कसे जमा करता

प्रत्येक वर्षाच्या सुरुवातीला एकदा जमा.

पहिली जमा (महिना आणि वर्ष)

जुन्या खात्यासाठी, मागील महिन्यांना त्या वेळचे सरकारी दर लावले जातात.

वार्षिक जमा

₹

दरवर्षी ₹500 ते ₹1,50,000. त्या महिन्याचे व्याज मिळवण्यासाठी महिन्याच्या 5 तारखेपर्यंत जमा करा.

व्याजदर

% वार्षिक

सध्या 7.1%. हा दर या महिन्यापासून लागू होतो; मागील महिन्यांसाठी सरकारी दर घेतले जातात.

मुदत

वर्षे

पीपीएफची मुदत 15 पूर्ण आर्थिक वर्षांनी पूर्ण होते. ती 5 वर्षांच्या टप्प्यांत वाढवता येते.

निकाल

हिशोब होत आहे…

हे पूर्णपणे आपल्या ब्राउझरमध्ये चालते. आपण टाइप किंवा अपलोड केलेले काहीही आम्हाला पाठवले जात नाही किंवा साठवले जात नाही.

हे निकाल अंदाजे आहेत, आर्थिक सल्ला नाही. दर, शुल्क आणि नियम बदलत असतात, त्यामुळे निर्णय घेण्यापूर्वी आपली बँक, पोस्ट ऑफिस किंवा आर्थिक सल्लागाराकडून खात्री करून घ्या. वापराच्या अटी

भाषांतर तयार होईपर्यंत खालील मार्गदर्शक इंग्रजीत आहे.

कसे वापरावे

आपण पैसे कसे जमा करता ते निवडा: दरवर्षी सारखी, दरमहा सारखी, वर्षनिहाय वेगवेगळी (प्रत्येक वर्षासाठी वेगळी रक्कम) किंवा दरमहा वेगवेगळी.
आपल्या पहिली जमा रकमेचा महिना आणि वर्ष निवडा. जुन्या खात्यासाठी, आधीच होऊन गेलेल्या महिन्यांना त्या वेळचे अधिकृत पीपीएफ दर लावले जातात.
आपली जमा रक्कम, पुढील महिन्यांसाठीचा व्याजदर (सध्या 7.1%) आणि मुदत भरा. पीपीएफ खाते 15 वर्षे चालते आणि 5 वर्षांच्या टप्प्यांत वाढवता येते.
वर्षनिहाय वेगवेगळी हा पर्याय निवडल्यास, तक्त्यात कोणत्याही वर्षाची रक्कम किंवा दर बदला. दरमहा वेगवेगळी हा पर्याय निवडल्यास, निकालाखाली दिसणारा ग्रिड भरा.
आपण टाइप करताच मुदतपूर्ती रक्कम, एकूण जमा रक्कम आणि व्याज बदलत जाते, आणि खाली आलेख आणि वर्षनिहाय तक्ता दिसतो. तक्त्यासाठी CSV आणि प्रिंट करता येणाऱ्या अहवालासाठी PDF वापरा.

What is PPF?

The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, and one of the safest and most tax-efficient places to keep money in the country. It falls under the EEE (Exempt-Exempt-Exempt) tax category. Your deposits qualify for the 80C deduction, the interest is tax-free, and the maturity amount isn't taxed either. This PPF calculator shows what your deposits will grow to.

Key features

Feature	Details
Interest Rate	7.1% p.a. (October–December 2026, reviewed every quarter)
Minimum Deposit	₹500 per year
Maximum Deposit	₹1,50,000 per year
Lock-in Period	15 years (extendable by 5-year blocks)
Tax Benefit	EEE (fully exempt)
Loan Facility	Available from 3rd to 6th year (up to 25% of balance)
Partial Withdrawal	Allowed from 7th year onwards

How PPF interest is worked out

Interest is calculated on the lowest balance between the 5th and the last day of each month. So to get the most out of it, deposit before 5 April each financial year. That way your whole deposit earns interest for the full year.

PPF compared with other options

It beats an FD after tax, because FD interest is taxed and PPF interest isn't.
It's safer than equity, but you can't get at the money as easily because of the 15-year lock-in.
It works well as the debt part of a balanced portfolio, alongside equity SIPs.

नेहमी विचारले जाणारे प्रश्न

7.1% a year for October–December 2026. The government reviews and announces the PPF rate every quarter. It has been 7.1% since April 2020; between 2012 and 2017 it ranged from 8.0% to 8.8%.

Partly, yes. Premature closure is allowed only in special cases, such as serious illness in the family or a minor child's higher education, and only after 5 complete financial years. Even then you lose 1% of the interest. Partial withdrawal is allowed from the 7th financial year, up to 50% of the balance at the end of the 4th year before the year you apply.

No. The yearly limit is ₹1.5 lakh per account. Anything above that earns no interest and doesn't qualify for the 80C deduction. A PPF account a parent opens for a minor child counts towards the parent's ₹1.5 lakh limit.

Before 5 April, at the start of the financial year. PPF interest is worked out on the lowest balance between the 5th and the last day of each month. If you deposit between 1 and 4 April, the full year's deposit earns 12 months of interest. Deposit after 5 April and you lose a month's interest on that money.

Not in a new account. NRIs can't open a PPF account. But if you become an NRI during the 15-year term, you can keep your existing account going until maturity at the rate in force. You can't extend it after maturity while you're an NRI.

No. You have three choices. You can close it and take the full maturity amount. You can extend it in 5-year blocks without new deposits, and the balance keeps earning interest. Or you can extend it with fresh deposits, and the 80C and EEE benefits carry on. You have to apply for an extension within one year of maturity.