PPF Calculator — Public Provident Fund Maturity Amount
PPF offers guaranteed 7.1% p.a. tax-free returns with full capital safety. Calculate your maturity amount and interest earned over 15+ years.
Calculator Inputs
CURRENT PPF RATE
7.1% p.a. (Tax-Free)
Maturity
Invested Amount₹22.50 L
Interest Earned₹18.18 L
Maturity Amount
₹40.68 L
7.1% Tax-Free
Year-by-Year PPF Growth
| Year | Total Invested | Interest Earned | Balance |
|---|---|---|---|
| 1 | ₹150,000 | ₹10,650 | ₹160,650 |
| 2 | ₹300,000 | ₹32,706 | ₹332,706 |
| 3 | ₹450,000 | ₹66,978 | ₹516,978 |
| 4 | ₹600,000 | ₹114,334 | ₹714,334 |
| 5 | ₹750,000 | ₹175,701 | ₹925,701 |
| 6 | ₹900,000 | ₹252,076 | ₹1,152,076 |
| 7 | ₹1,050,000 | ₹344,524 | ₹1,394,524 |
| 8 | ₹1,200,000 | ₹454,185 | ₹1,654,185 |
| 9 | ₹1,350,000 | ₹582,282 | ₹1,932,282 |
| 10 | ₹1,500,000 | ₹730,124 | ₹2,230,124 |
| 11 | ₹1,650,000 | ₹899,113 | ₹2,549,113 |
| 12 | ₹1,800,000 | ₹1,090,750 | ₹2,890,750 |
| 13 | ₹1,950,000 | ₹1,306,643 | ₹3,256,643 |
| 14 | ₹2,100,000 | ₹1,548,515 | ₹3,648,515 |
| 15 | ₹2,250,000 | ₹1,818,209 | ₹4,068,209 |
Frequently Asked Questions
PPF (Public Provident Fund) is a government-backed long-term savings scheme in India with a 15-year lock-in period. It currently offers 7.1% p.a. interest, compounded annually, and investments qualify for Section 80C deduction up to ₹1.5 lakh per year.
The current PPF interest rate is 7.1% per annum, compounded annually. This rate is reviewed quarterly by the Ministry of Finance.
The maximum PPF investment is ₹1,50,000 per financial year. The minimum is ₹500 per year. PPF accounts must have at least one deposit every year to remain active.
Partial withdrawal is allowed from the 7th year onwards (up to 50% of the balance at the end of the 4th year). Full withdrawal before 15 years is not allowed except in specific cases.
PPF offers guaranteed, tax-free returns with full capital safety, ideal for conservative investors. SIP in equity funds can deliver higher returns (12–15% vs 7.1%) but with market risk. Ideally, use both for different financial goals.
No. PPF interest, maturity amount, and annual contributions (up to ₹1.5 lakh under 80C) are all completely tax-free — making it an EEE (Exempt-Exempt-Exempt) investment.