Publick Provident Fund (PPF) is possibly the best secured debt investment in India with full tax exemptions, assured returns; options for loans and early withdrawals. Lock-in period is 15 years. In this post, you can use my PPF calculator to estimate the returns for your unique needs.

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PPF is one of the top recommendations by financial advisors as it offers multiple benefits to investors.

• Tax benefit at the time of investment, interest accrual and maturity (EEE, Tax exempt at all stages)
• Assured and agreeable interest rates on the investment
• Entire investment is secured, this is a sovereign debt issuance from Govt of India
• Loan and early withdrawal options are available, though it is not recommended to touch the investment until maturity.

PPF has a lock-in period of 15 years, with options for loans and partial withdrawals before maturity. It can then be extended in blocks of 5 years thereafter, with or without further contributions.

PPF Returns Calculator

There are a lot of PPF calculators out there to calculate the latest balance and maturity amount. But many of them are not flexible to cover all scenarios and changes to investment amounts over the years.

For example, you could invest in PPF on any day during the financial year but the interest is calculated for the month only when the amount is deposited between 1st and 5th of the month. You can invest on monthly basis or yearly once with different investment amounts over the years (up to a max of 150,000)

Here is an attempt to create a comprehensive PPF calculator that takes care of all the scenarios. The sheet is locked for it to work consistently on every device, but if you need any changes or features, please do let me know.

Hope you will find this calculator useful for your unique investment needs 🙂