PPF Calculator — Public Provident Fund
This PPF calculator works out the maturity value of a Public Provident Fund account, assuming you deposit your contribution at the start of each financial year — the standard convention for maximizing PPF interest, since PPF pays interest on the lowest balance between the 5th and last day of each month. Enter your annual contribution, the current PPF rate and your tenure to see your maturity value, total contribution and interest earned.
How much you deposit each financial year. PPF allows a minimum of ₹500 and a maximum of ₹1,50,000 per year.
Set by the government every quarter — currently 7.1%. Check the latest rate before relying on this projection for more than a year or two out.
PPF has a mandatory 15-year lock-in, then extends in blocks of 5 years for as long as you like.
Maturity value
सेव करने के लिए लॉग इन करें₹27,12,139
What your PPF account is worth at the end of the chosen tenure, assuming deposits are made at the start of every financial year.
Frequently asked questions
Can I withdraw money from my PPF account before it matures?+
Partial withdrawal is allowed from the 7th financial year of account opening, up to a limit tied to your balance. Premature closure (before 15 years) is allowed only in specific cases like serious illness or higher education, and even then a penalty rate applies. This calculator assumes no withdrawals during the tenure.
Is PPF interest and maturity amount taxable?+
No — PPF has EEE (Exempt-Exempt-Exempt) tax status. Your contribution qualifies for an 80C deduction, the annual interest is tax-free, and the maturity amount is also fully tax-free. This makes PPF one of the few genuinely tax-free long-term instruments in India.
What happens after the 15-year lock-in ends?+
You can withdraw the full balance and close the account, or extend it in blocks of 5 years — either with fresh contributions (you must actively opt in within a year of maturity) or without further contributions, where the balance simply keeps earning interest. This calculator's tenure field lets you model any of these by choosing 15, 20, 25 years and so on.