Public Provident Fund (PPF) 15-Year Wealth Calculator Pro
Forecast your 15-year statutory PPF wealth accumulation under the sovereign 7.1% government interest rate. Model 5-day month-end interest maximization, audit loan/withdrawal limits, and generate an official A4 PPF Passbook Statement.
payments 1. Annual Deposit & Contribution Frequency
account_balance 2. Subscriber & PPF Account Details
info Mastering PPF Rules: The 5th of the Month Secret & EEE Status
The Public Provident Fund (PPF) is one of India’s most secure long-term wealth building instruments, backed by the Government of India sovereign guarantee:
- The 5th of the Month Rule: Under the PPF Scheme 2019, interest is calculated on the minimum balance between the close of the 5th day and the end of the month. Depositing before 5th April allows you to earn 12 full months of compounding interest on your deposit!
- Exempt-Exempt-Exempt (EEE): Contributions are deductible under Section 80C up to ₹1.5 Lakh per FY, annual interest is 100% tax-exempt under Section 10(11), and maturity proceeds are completely tax-free.
- Loan & Partial Withdrawal: Loans are permissible from the 3rd to 6th FY (up to 25% of balance at end of 2nd preceding FY). Partial withdrawals are allowed from the 7th FY onwards (up to 50% of eligible balance).
- 5-Year Extension (Form H): After 15 years, accounts can be extended indefinitely in 5-year blocks with or without ongoing fresh contributions.
PUBLIC PROVIDENT FUND (PPF) PASSBOOK
15-Year Sovereign Wealth Accumulation & Statutory Passbook Statement
Annual Passbook Progression & Liquidity Schedule (figures in Indian Rupees ₹)
| Year | Opening Balance | Deposit | Interest (7.1%) | Closing Balance | Loan Limit (25%) | Withdrawal Limit |
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Certified that all deposits in this Public Provident Fund account are sovereign-backed by the Government of India. The accumulated corpus of ₹0.00 (including interest of ₹0.00) is 100% tax-free under Section 10(11) of the Income Tax Act, 1961. Account balances cannot be attached by any decree or order of any court in respect of any debt or liability.