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PPF Calculator

Calculate PPF maturity amount with year-by-year breakdown. Current rate 7.1%. Tax-free EEE status.

₹
₹500₹1,50,000
years
15 years50 years
%

Maturity Value

₹40,68,209

Total Invested

₹22,50,000

Total Interest

₹18,18,209

Maturity Value

₹40,68,209

Invested vs Interest

₹40,68,209maturity
Invested (55%)
Interest (45%)

Year-wise Growth

Y1
₹1,60,650
Y2
₹1,72,056
Y3
₹1,84,272
Y4
₹1,97,355
Y5
₹2,11,368
Y6
₹2,26,375
Y7
₹2,42,447
Y8
₹2,59,661
Y9
₹2,78,097
Y10
₹2,97,842
Y11
₹3,18,989
Y12
₹3,41,637
Y13
₹3,65,893
Y14
₹3,91,872
Y15
₹4,19,695

Key Facts about PPF

  • Lock-in Period: 15 years (partial withdrawals allowed from 7th year)
  • Section 80C: Deposits up to ₹1,50,000/year qualify for tax deduction
  • EEE Status: Exempt-Exempt-Exempt - deposits, interest, and maturity are all tax-free
  • Extension: Can be extended in blocks of 5 years after 15-year maturity
  • Current Rate: 7.1% per annum (Q4 FY 2025-26, latest declared). Rate is revised quarterly by the Government of India.
  • Min/Max Deposit: ₹500 to ₹1,50,000 per financial year
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Disclaimer: This calculator is for informational and educational purposes only.
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Frequently Asked Questions

What is PPF and what is the current interest rate?+
PPF (Public Provident Fund) is a government-backed savings scheme with a 15-year lock-in. The interest rate is reviewed quarterly by the government.
How is PPF interest calculated?+
PPF interest is compounded annually and calculated on the lowest balance between the 5th and end of each month.
What is the maximum PPF investment per year?+
The maximum annual investment is Rs 1.5 lakh. The minimum is Rs 500 per year.
Is PPF tax-free?+
Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) status: the investment, interest, and maturity amount are all tax-free.