PPF Calculator India
Calculate your Public Provident Fund maturity amount and interest earned
Maturity Amount
₹37.99 L
Interest Earned
₹15.49 L
Total Investment
₹22.50 L
Interest as % of Investment
68.8%
Growth Over Time
PPF Summary
What is PPF?
PPF (Public Provident Fund) is a long-term savings scheme offered by the Government of India through the India Post and various banks. It is one of the safest and most popular investment options for Indian citizens looking for guaranteed returns and tax benefits.
When you invest in PPF, your money is invested in government securities and other safe instruments. The interest rate is declared quarterly by the Ministry of Finance. Currently, it stands at 7.1% per annum, which is higher than most fixed deposits and savings accounts. This makes PPF an attractive option for risk-averse investors who want better returns than traditional savings.
PPF has a maturity period of 15 years. After 15 years, you can withdraw your entire amount or extend the account for additional periods of 5 years at a time. During the investment period, you can earn interest through compounding, and you also get tax deductions and tax-free interest accumulation.
PPF is particularly beneficial for salaried individuals, self-employed professionals, and anyone wanting to build long-term wealth with government-backed security and significant tax advantages under Section 80C.
How PPF Calculator Works
Understanding the Calculation
The PPF calculator projects your investment growth over 15 years by compounding interest annually. Here's how it works:
- 1.Starting Balance: Your current PPF balance (if any)
- 2.Annual Investment: Fixed yearly contribution (max ₹1.5L)
- 3.Interest Compounding: Annual interest at 7.1% (or your chosen rate)
- 4.15-Year Period: Growth over your chosen investment duration
What You Get
- Maturity Amount: Your total investment + interest earned at maturity
- Total Investment: Sum of all annual contributions plus starting balance
- Interest Earned: Returns generated through 15 years of compounding
- Interactive Chart: Visualize your growth year by year
Benefits of PPF
Government-Backed Security
Completely safe and risk-free investment backed by the Government of India. Ideal for conservative investors.
Fixed Interest Rate
Declared quarterly. Currently 7.1% p.a., offering predictable returns without market volatility.
Tax Deduction Benefit
Invest up to ₹1.5 lakh annually and claim full deduction under Section 80C of the Income Tax Act.
Tax-Free Returns
Interest earned is not taxable. Complete EEE (Exempt-Exempt-Exempt) classification for maximum tax benefits.
Power of Compounding
Interest is compounded annually, creating exponential wealth growth. A ₹1.5L annual investment grows to ₹45L+ in 15 years at 7.1%.
Flexible Withdrawal
After 7 years, withdraw 50% of balance. After maturity, withdraw full amount or extend for 5-year periods.
PPF Interest Rate 2026
Current PPF Interest Rate: 7.1% per annum — This rate is effective from April 2025 to June 2025. PPF interest rates are declared quarterly (April, July, October, January) and are typically linked to long-term government bond yields.
The interest rate has historically ranged from 6.5% to 8.4% and is revised based on prevailing market conditions and government policy. You can lock in your rate based on the quarter in which you open your PPF account or make deposits.
Important: While the calculator defaults to 7.1%, it's wise to check the latest PPF rate on official websites like the India Post website or your bank's website before making investment decisions.
Frequently Asked Questions
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