PPF Calculator

Calculate the maturity value of your Public Provident Fund. Enter your yearly deposit to see the tax-free corpus you will build over the 15-year lock-in period.

Yearly deposit (₹, max 1,50,000)
Interest rate (% p.a.)

PPF interest is compounded yearly. The government revises the PPF rate quarterly — currently 7.1% p.a.

How to use the PPF calculator

Enter your yearly deposit (minimum ₹500, maximum ₹1,50,000 per financial year).
Confirm the interest rate (currently 7.1% p.a.).
Click Calculate — the 15-year lock-in is applied automatically.

Why PPF is popular

EEE tax status — deposits get 80C deduction, interest is tax-free, maturity is tax-free.
Sovereign guarantee — backed by the Government of India.
Extendable — after 15 years you can extend in 5-year blocks, with or without fresh deposits.

Frequently asked questions

What is the maximum I can deposit? ₹1.5 lakh per financial year across all your PPF accounts combined.
Can I withdraw early? Partial withdrawals are allowed from the 7th year; full withdrawal only after 15 years (with some exceptions).
Is PPF better than FD? PPF interest is tax-free while FD interest is taxable — for most taxpayers PPF wins post-tax.