PPF Calculator
Project your Public Provident Fund maturity from yearly contributions over the tenure.
₹500 to ₹1.5 lakh per year
Current notified PPF rate (~7.1%)
15 years, extendable in 5-year blocks
Total invested
₹22.50 L
₹22,50,000
Interest earned
₹18.18 L
₹18,18,209
Maturity value
₹40.68 L
₹40,68,209
Balance over the tenure
How this is calculated
How it works: PPF interest is compounded annually. We assume each year's contribution earns the full year's interest and rolls forward over the tenure (15 years by default, extendable in 5-year blocks).
The Government revises the PPF rate quarterly (recently ~7.1%). PPF is tax-free at investment, on interest and at maturity (EEE). Update the rate to the latest notified value.
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Frequently asked questions
How is PPF interest calculated?
PPF interest is compounded annually on your balance. This calculator assumes each year's contribution earns the full year's interest and rolls forward, over a default 15-year tenure (extendable in 5-year blocks).
What is the current PPF interest rate?
The Government sets the PPF rate every quarter; it has recently been around 7.1% per annum. It is fully tax-free (EEE), making the effective return attractive versus taxable instruments. Update the rate field to the latest notified rate.
What are the PPF investment limits?
You can invest between ₹500 and ₹1.5 lakh per financial year. Contributions qualify for Section 80C deduction, and both the interest and the maturity amount are exempt from tax.
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