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PPF Calculator

Calculate maturity amount of your Public Provident Fund investment.

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PPF Calculator
Calculate maturity amount of your Public Provident Fund investment.
Annual PPF contribution
₹
sixty thousandrupees
PPF interest rate (%)
%
PPF tenure
Years
PPF maturity amount
₹16,27,284
45%
returns
Invested
Returns
Annual contribution₹60.0K
Total invested (15 yrs)₹9.00 L
Interest earned₹7.27 L
Maturity amount₹16.27 L
Also invest in ELSS →

For illustration only. MF returns not guaranteed. Market risks apply.

⚠️ Disclaimer: Results are for illustration only. Mutual Fund investments subject to market risks. Assumed returns may not reflect actual performance. Read all scheme-related documents carefully. Not investment advice.
About this calculator

PPF Calculator — explained

The PPF Calculator estimates the maturity value of your Public Provident Fund contributions over the 15-year tenure (or extended period). PPF is one of the most popular safe investment options in India — government-backed, EEE-status (contribution, interest, and maturity all tax-free), with deduction up to ₹1.5 lakh per financial year under Section 80C. Enter your annual PPF contribution, current PPF interest rate, and tenure to see the corpus at maturity, total interest earned, and total invested.

PPF is the cornerstone of every salaried Indian's tax-saving and safe-debt allocation because it offers sovereign guarantee, tax-free interest, and a 15-year compounding window. This online PPF maturity calculator is ideal for planning 80C contributions, comparing PPF with ELSS, and modelling long-horizon retirement savings. Backed by AMFI Registered MFD Nithin Finserv, ARN: 307760.

What is the PPF Calculator?

Public Provident Fund (PPF) is a long-term, government-backed savings scheme available to every Indian resident citizen, launched in 1968 under the National Savings Organisation. It has a 15-year tenure (extendable in 5-year blocks), pays a quarterly-set interest rate (currently around 7.1%), and is one of the few EEE-status (Exempt-Exempt-Exempt) instruments left in India — meaning contributions get tax deduction, interest is tax-free, and maturity is tax-free. PPF accounts can be opened at banks or post offices.

How it works — the formula

Maturity = P × ((1 + r)^n − 1) / r × (1 + r), assuming annual compounding and one annual deposit. The interest rate is set quarterly by the Government of India — currently around 7.1%. To maximise PPF returns, contributions should ideally be made before April 5 of each financial year so the full balance earns interest for the entire year.

How to use this calculator

  1. 1Enter your annual PPF contribution (₹500 minimum to ₹1.5 lakh maximum per financial year)
  2. 2Set the current PPF interest rate (check the latest govt-notified rate; ~7.1% as of 2026)
  3. 3Choose the tenure — 15 years standard, extendable in 5-year blocks
  4. 4Read the maturity amount, total invested, and tax-free interest earned
  5. 5Use the results to compare PPF against ELSS for your 80C allocation
  6. 6Plan to contribute before April 5 each year for maximum interest accrual

Key features

  • ✓Annual compounding (matching govt PPF rules)
  • ✓Adjustable for any contribution from ₹500 to ₹1.5L
  • ✓Adjustable interest rate as govt revises quarterly
  • ✓Tenure projection from 15 to 35 years (with extensions)
  • ✓Tax-free maturity output
  • ✓Mobile-friendly, no signup

Frequently asked questions

What is the current PPF interest rate in India?
The Government of India revises PPF rates quarterly. The rate has been ~7.1% for several quarters as of 2026. Always check the latest official notification before computing maturity values.
What is the PPF lock-in period?
15 financial years from the year of the first contribution. After that, you can withdraw the full corpus, or extend in 5-year blocks with or without further contribution.
PPF or ELSS — which is better for Section 80C?
PPF for guaranteed, tax-free returns and zero risk. ELSS for higher (market-linked) returns and a much shorter 3-year lock-in. Most investors use a mix — PPF for the safe core, ELSS for growth.
Can I have a PPF account for my child?
Yes. A parent or legal guardian can open a PPF account for a minor child. The ₹1.5 lakh annual limit is combined across the parent's own and the minor's accounts (not separate).
What happens after the 15-year PPF maturity?
Three options: (1) Withdraw the entire corpus tax-free. (2) Extend the account in 5-year blocks with fresh contributions. (3) Extend without contributions and continue earning interest on the existing balance.
Can I withdraw partially from PPF before 15 years?
Yes. Partial withdrawals are allowed once a financial year from the start of year 7 onwards. The withdrawal amount is capped — generally 50% of the balance at the end of year 4 preceding the withdrawal year.
Can I take a loan against my PPF?
Yes, from year 3 to year 6. The loan can be up to 25% of the balance at the end of year 2 preceding the loan year. Interest charged is 1% above the PPF rate. Repayable within 36 months.
Is PPF better than EPF for retirement?
EPF for salaried — employer matches your contribution (12% of basic) and EPF rates have historically been slightly higher. PPF supplements EPF, especially for self-employed people who don't have EPF. Most salaried Indians have both.
Can NRIs invest in PPF?
NRIs cannot open new PPF accounts. Existing PPF accounts opened while resident continue till maturity but cannot be extended after maturity. Check the latest RBI notification — rules have changed over the years.
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