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PPF Calculator India — Public Provident Fund Maturity & Interest

Calculate PPF maturity amount, yearly interest and 15-year balance. EEE tax status — investment, interest and maturity all tax-free.

PPF Quick Answer: ₹1.5 lakh/year at 7.1% for 15 years = Maturity ₹40.68 lakh. Invested: ₹22.5L. Tax-free interest: ₹18.18L. Max 80C deduction: ₹1.5L/year. Deposit before 5th of each month for full month's interest.
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PPF Calculator

Investment Details
₹
Min ₹500 | Max ₹1,50,000 per year
6%7.1% (current)9%
15 yrs20 yrs25 yrs30 yrs
Maturity Amount
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PPF Summary
Annual Investment—
Tenure—
Total Amount Invested—
Total Interest Earned—
Tax Saved (80C @ 30%)—
Maturity Amount—
Extension Scenarios (after 15 years)
+5 yrs with deposits
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+5 yrs no deposits
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+10 yrs with deposits
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+10 yrs no deposits
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Year-Wise Balance
YearDepositInterestClosing Balance

📊 PPF Maturity at Different Investment Amounts — 15 Years at 7.1%

Quick reference for PPF returns at various annual investment amounts over the standard 15-year tenure.

Annual InvestmentTotal InvestedInterest EarnedMaturity Amount
₹50,000₹7.5L₹6.06L₹13.56L
₹1,00,000₹15L₹12.12L₹27.12L
₹1,50,000 (max)₹22.5L₹18.18L₹40.68L

At 7.1% p.a. Values are approximate. All amounts are completely tax-free.

📖 How to Use This PPF Calculator

  1. 1
    Enter Annual InvestmentEnter yearly deposit amount. Minimum ₹500, maximum ₹1,50,000. Most investors deposit the full ₹1.5L to maximise the 80C deduction and returns.
  2. 2
    Set Interest RateCurrent PPF rate is 7.1%. Use the slider to model future rate scenarios — conservative (6.5%) or optimistic (8%).
  3. 3
    Set TenureDefault is 15 years (mandatory minimum). PPF can be extended in 5-year blocks. Slide to 20, 25 or 30 years to see the compounding power of longer tenure.
  4. 4
    Read Maturity and Year-Wise TableSee total maturity amount, interest earned, 80C tax savings, and year-by-year closing balance for the full tenure.

✅ Why Invest in PPF

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EEE Tax Status

Investment, interest, and maturity are all exempt from tax — the triple tax benefit.

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Government Backed

Sovereign guarantee — no risk of default. Best risk-free return in India.

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80C Deduction

Up to ₹1.5L investment qualifies for Section 80C deduction each year.

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Power of Compounding

Interest compounds annually. ₹1.5L/year grows to ₹40.68L in 15 years — 81% more than invested.

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Creditor Protection

PPF balance cannot be attached by any court order or creditor — fully protected.

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Partial Withdrawal

Withdraw up to 50% of 4th-year balance from 7th year onwards for liquidity.

❓ Frequently Asked Questions — PPF

How much will ₹1.5 lakh per year in PPF grow to in 15 years?+
₹1.5 lakh invested every year in PPF at 7.1% for 15 years gives a maturity amount of approximately ₹40.68 lakh. Total investment: ₹22.5 lakh. Tax-free interest earned: ₹18.18 lakh. Plus annual 80C tax saving of up to ₹46,800 (at 30% slab) makes the effective yield even higher.
What is the current PPF interest rate?+
PPF interest rate is 7.1% per annum, unchanged since April 2020. The government reviews the rate quarterly. Interest is calculated on the minimum balance between the 5th and the last day of each month. Always deposit your PPF amount before the 5th of the month to earn interest for that month.
Is PPF interest and maturity taxable?+
No — PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The annual investment is deductible under Section 80C (up to ₹1.5L). The interest earned each year is completely exempt from income tax. The maturity amount at the end of 15 years is also fully tax-free. There is no TDS on PPF interest.
Can I withdraw from PPF before 15 years?+
Partial withdrawal is allowed from the 7th financial year onwards. You can withdraw up to 50% of the balance at the end of the 4th year preceding the current year, once per financial year. Full premature closure is only allowed after 5 years for specific reasons: serious illness of account holder or family, or higher education expenses.
Can I extend PPF after 15 years?+
Yes — PPF can be extended in 5-year blocks indefinitely after the initial 15-year maturity. Two options: (1) Extension with deposits — continue investing and earning interest. (2) Extension without deposits — leave the balance to grow at the prevailing rate without making new deposits. Extension must be opted within 1 year of maturity.
How many PPF accounts can I have?+
Only one PPF account per individual is allowed. You can open a PPF account at any post office or select banks (SBI, HDFC, ICICI, Axis etc.). You can also open one PPF account in the name of a minor child, but the annual limit of ₹1.5L applies across all accounts held by you and your minor children combined.

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