PPF Calculator
Public Provident Fund Maturity Calculator
PPF Benefits
- Tax deduction under Section 80C (up to ₹1.5 lakh)
- Interest earned is completely tax-free
- Maturity amount is tax-free (EEE status)
- Current interest rate: 7.1% p.a. (compounded annually)
- Minimum tenure: 15 years (extendable in 5-year blocks)
Investment Details
Current PPF rate: 7.1% (Q4 FY 2025-26)
Enter if you have an existing PPF account
Maturity Summary
Total Investment
₹22.50 L
Tax saved: ₹6.75 L (@ 30% slab)
Total Interest Earned
₹18.18 L
100% Tax-Free Interest
Maturity Amount
₹40.68 L
Completely Tax-Free (EEE Status)
Investment vs Interest
Year-wise Growth
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1.61 L |
| 2 | ₹1,50,000 | ₹22,056 | ₹3.33 L |
| 3 | ₹1,50,000 | ₹34,272 | ₹5.17 L |
| 4 | ₹1,50,000 | ₹47,355 | ₹7.14 L |
| 5 | ₹1,50,000 | ₹61,368 | ₹9.26 L |
| 6 | ₹1,50,000 | ₹76,375 | ₹11.52 L |
| 7 | ₹1,50,000 | ₹92,447 | ₹13.95 L |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16.54 L |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19.32 L |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22.30 L |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25.49 L |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28.91 L |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32.57 L |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36.49 L |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40.68 L |
Frequently Asked Questions
The current PPF interest rate is 7.1% per annum (as of Q4 FY 2025-26). The rate is reviewed quarterly by the government and compounded annually.
The maximum annual investment in PPF is Rs 1,50,000. The minimum is Rs 500. You can deposit in lump sum or in up to 12 installments per year.
PPF has a lock-in period of 15 years. After maturity, you can extend in blocks of 5 years. Partial withdrawal is allowed from the 7th year, and loans can be taken from 3rd to 6th year.
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status. Investment qualifies for 80C deduction, interest earned is tax-free, and maturity amount is completely tax-free.
No, an individual can have only one PPF account. You can open a separate account for your minor child, but the combined limit remains Rs 1.5 lakh per year.