PPF Calculator — Public Provident Fund Maturity & Returns
Calculate your PPF maturity value over 15–25 years at the current 7.1% interest rate. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — deposits up to ₹1.5 lakh qualify for Section 80C, interest is tax-free, and maturity is exempt. Enter your annual deposit, interest rate, and tenure. Get total invested, interest earned, maturity value, and a year-wise balance growth table showing compounding in action.
Calculate PPF Maturity
How to Use the PPF Calculator
This calculator estimates your Public Provident Fund maturity value using the annual compounding method as prescribed by the Ministry of Finance.
Step 1 — Set Annual Deposit
Enter your yearly PPF contribution (₹500 to ₹1,50,000). Deposits above ₹1.5 lakh earn no interest. For maximum benefit, invest the full ₹1.5 lakh before 5th April each year.
Step 2 — Set Rate and Tenure
PPF rate is currently 7.1% (Q4 FY 2025-26). Tenure starts at 15 years with 5-year extensions. The calculator supports up to 50 years for long-term planning.
Step 3 — View Results
Get maturity value, total invested, interest earned, invested-vs-interest visual, and a complete year-wise table showing opening balance, deposit, interest, and closing balance.
CA Tip: Deposit before 5th of every month to maximise interest. PPF interest is calculated on the minimum balance between the 5th and last day of each month. A lump sum before 5th April earns interest for the entire year. The ICAI recommends PPF as a core component of tax-saving strategy under 80C.
What Is PPF (Public Provident Fund)?
PPF is a government-backed long-term savings scheme established under the Public Provident Fund Act, 1968. It is administered through post offices and authorised banks across India. PPF offers guaranteed returns backed by the Government of India, making it one of the safest investment options available.
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status — the only investment category in India with triple tax benefit: deposits qualify for Section 80C deduction up to ₹1.5 lakh (Exempt), interest earned is completely tax-free (Exempt), and the maturity amount is fully exempt from income tax (Exempt). This makes PPF the most tax-efficient fixed-income investment in India.
Key Features
- Interest rate: 7.1% p.a. (revised quarterly by government)
- Tenure: 15 years, extendable in 5-year blocks
- Annual deposit: ₹500 (min) to ₹1,50,000 (max)
- Tax benefit: EEE status + Section 80C deduction
- Loan facility: Available from 3rd to 6th year
- Partial withdrawal: From 7th year onwards
- Backed by Government of India — zero risk
PPF Rules — Deposits, Withdrawal & Closure
| Rule | Details |
|---|---|
| Minimum Deposit | ₹500 per year |
| Maximum Deposit | ₹1,50,000 per year |
| Deposit Frequency | Lump sum or up to 12 instalments/year |
| Interest Rate | 7.1% p.a. (Q4 FY 2025-26) |
| Compounding | Annually (credited 31st March) |
| Maturity | 15 years from year of opening |
| Extension | 5-year blocks (with or without deposits) |
| Partial Withdrawal | From 7th year; 50% of balance |
| Loan Against PPF | 3rd to 6th year; 25% of balance |
| Premature Closure | After 5 years (specific conditions) |
| Tax Benefit | 80C on deposit + Tax-free interest + Tax-free maturity |
Important: If you miss the minimum ₹500 deposit in any year, the account becomes inactive. Revival requires paying ₹500 per default year + ₹50 penalty per year. Keep calendar reminders to avoid discontinuation. RBI-authorised banks and post offices accept PPF deposits.
PPF vs Other Tax-Saving Investments
| Parameter | PPF | ELSS | Tax-Saving FD | NPS |
|---|---|---|---|---|
| Returns | 7.1% (guaranteed) | 12–15% (market) | 6.5–7% (guaranteed) | 9–12% (market) |
| Lock-in | 15 years | 3 years | 5 years | Till 60 years |
| Tax on Returns | Tax-free (EEE) | 12.5% LTCG > ₹1.25L | Fully taxable | Partially taxable |
| 80C Limit | ₹1.5L | ₹1.5L | ₹1.5L | ₹1.5L + ₹50K extra |
| Risk | Zero (Govt backed) | High (equity) | Low | Moderate |
Expert Tip: Combine PPF + ELSS + NPS for optimal tax-saving: PPF for guaranteed base, ELSS for growth, NPS for extra ₹50K deduction under 80CCD(1B). This “3-pillar strategy” maximises both tax savings and wealth creation. Talk to our CA team →
Need tax-saving advice? Our CAs help with PPF, 80C planning, ITR filing, and investment strategy. Talk to a CA today →
