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Calculate PPF maturity with yearly deposits and 15-year lock-in.
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The exact formula, statutory references and edge-cases used to compute your result. Reviewed by CA Ankita Jainik Soni.
Interest is calculated on the lowest balance between the 5th day and the last day of each month. Deposits made on or before the 5th earn interest for that month; deposits after the 5th do not. Plan contributions accordingly.
PPF has a 15-year lock-in from the end of the financial year of opening. After maturity, it can be extended in blocks of 5 years. During extension, contributions are optional; the account continues to earn interest.
Partial withdrawal allowed from year 7 (end of 6th year) — up to 50% of the balance at the end of the 4th preceding year. Loan against PPF available from year 3 to year 6, up to 25% of the balance at end of 2nd preceding year.
PPF is Exempt-Exempt-Exempt: contribution deductible under Section 80C up to ₹1,50,000, interest earned is exempt under Section 10(11), and maturity proceeds are fully tax-free. This makes PPF one of the most tax-efficient long-term instruments.
PPF can have a nominee (mandatory) and was historically available as 'A' (self) or 'H' (HUF) accounts only. Joint accounts with spouse or minors are not allowed under the PPF scheme.
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Last updated: 21 June 2026 · Last reviewed by CA Ankita Jainik Soni · Indicative results only