Calculate PPF maturity amount at 7.1% p.a. interest. Year-wise breakdown, 15-year lock-in extension scenarios, and EEE tax benefits — free and instant.
Step-by-step guide to get the most from this tool
Set your planned yearly PPF contribution using the slider (₹500 to ₹1.5 lakh).
Default is 15-year lock-in. Use presets for 20, 25, or 30 years (extensions).
Enter existing PPF balance if you have one, or leave at zero for a new account.
See maturity, interest breakdown, and year-wise table. Use the extension tab to model post-15-year scenarios.
What makes this tool stand out
Pre-filled with the government rate unchanged since FY 2020-21.
Investment, interest, and maturity — all exempt from tax.
Visual split of invested amount vs interest earned.
Opening, deposit, interest, and closing balance each year.
Model 5/10/15 year extensions with or without contributions.
Maturity recalculates instantly as you adjust inputs.
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Quick answers to common questions
Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with tax-free returns. It has a 15-year lock-in period and qualifies for Section 80C deduction up to ₹1.5 lakh per year under the old tax regime.
PPF interest is declared quarterly by the government. The rate has been 7.1% p.a. since Q1 FY 2020-21 through Q2 FY 2026-27. Adjust the rate in the calculator when the government revises it.
You can deposit a minimum of ₹500 and maximum of ₹1.5 lakh per financial year in a PPF account. Deposits above ₹1.5 lakh earn no interest.
No. PPF falls under the EEE (Exempt-Exempt-Exempt) category — deposits (80C in old regime), interest, and maturity are all tax-free.
Yes. You can extend in blocks of 5 years with or without further contributions after the initial 15-year lock-in. Use the extension tab in our calculator to model both scenarios.
Interest is compounded annually and credited on 31st March. For estimation, we use annuity-due compounding: Balance = (Previous Balance + Annual Deposit) × (1 + rate).
Deposit before the 5th of each month to earn interest for that month. Investing before 5th April ensures interest on the full amount for the entire financial year.
PPF offers tax-free returns and 80C benefit but has a 15-year lock-in. FDs offer more flexibility but interest is taxable unless tax-saver FD with 5-year lock-in.
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Max ₹1,50,000/year
• Deposit before 5th of every month to earn interest for that month
• Invest before 5th April for full year's interest
• Maximum ₹1,50,000 per year — excess earns no interest
• EEE tax status: investment, interest, and withdrawal all tax-free
Maturity = P × [((1 + r)^n − 1) / r] × (1 + r)P is the annual contribution deposited at the start of each year (annuity due), r is the annual interest rate (7.1% for FY 2025-26), and n is the tenure in years. Interest is compounded annually and credited on 31st March each year.
| Symbol | Meaning |
|---|---|
| P | Annual PPF contribution (max ₹1,50,000) |
| r | Annual interest rate (7.1% p.a.) |
| n | Tenure in years (minimum 15) |