PPF Calculator

Calculate your Public Provident Fund maturity amount and interest earned

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₹/yr
₹500₹1,50,000
₹1.5 Lakh / year
Lump sum deposit at start of each year
Years
15 yrs (minimum)50 yrs (with extensions)
15 years (standard PPF tenure)
%
5%10%
PPF Rules: Lock-in period is 15 years. Can be extended in blocks of 5 years. Interest is compounded annually. Tax-free under EEE (Exempt-Exempt-Exempt) — investment (80C), interest, and maturity all tax-free.
Maturity Value
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Total Interest Earned
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Total Invested
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Tax Saved (80C)
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at 30% slab
Invested Interest

Tax Benefits (Section 80C)

  • Investment up to ₹1.5 lakh/year deductible under Section 80C (Old Regime)
  • Interest earned is completely tax-free
  • Maturity amount is fully exempt from tax
  • PPF enjoys EEE (Exempt-Exempt-Exempt) status — the only truly triple-exempt instrument
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Year-wise Growth

Year Opening Balance Deposit Interest Closing Balance
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Frequently Asked Questions

What is PPF?

Public Provident Fund (PPF) is a government-backed savings scheme with a 15-year lock-in period. It offers guaranteed returns at a rate set quarterly by the government (currently 7.1%). It is one of the safest investment options in India.

What is the current PPF interest rate in 2026?

The PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually. The rate is reviewed and set by the government every quarter.

What is the minimum and maximum PPF investment?

Minimum investment is ₹500 per year and maximum is ₹1,50,000 per year. You can deposit in lump sum or up to 12 installments per year.

Can I withdraw from PPF before 15 years?

Partial withdrawal is allowed from the 7th financial year (after completing 5 years). You can withdraw up to 50% of the balance at the end of the 4th year or the preceding year, whichever is lower. Full withdrawal is only at maturity (15 years).

Is PPF better than FD?

PPF offers tax-free returns (EEE status) while FD interest is taxable. At 7.1%, PPF's effective post-tax return is equivalent to ~10% FD for someone in the 30% tax bracket. However, PPF has a 15-year lock-in vs FD's flexible tenure.

Can I extend PPF after 15 years?

Yes. PPF can be extended in blocks of 5 years indefinitely. You can choose to extend with or without further contributions. The interest rate continues to apply on the existing balance.