Estimate your Public Provident Fund maturity amount, tax-free returns, and investment breakdown with easy annual deposit, rate, and tenure controls. Use this PPF calculator to plan long-term savings, retirement corpus, and 15-year government-backed growth.
Total Invested
₹7,50,000
Est. Returns
₹6,06,070
Maturity Amount
₹13,56,070
A = P × [((1+r)ⁿ - 1) / r] × (1+r)
A = Maturity amount
P = Annual investment
r = Annual rate/100
n = Number of years
✓100% Tax-free returns
✓Guaranteed returns by Govt
✓No limit on maturity amount
✓Extend post-maturity
✓Partial withdrawal allowed
Public Provident Fund (PPF) is a long-term savings and investment scheme offered by the Indian government. It's one of the safest investment options with guaranteed returns backed by the government.
Invested through post offices and authorized banks, PPF provides both security and excellent returns with complete tax exemption on maturity amount.
Minimum Investment: ₹500 per annum
Maximum Investment: ₹1,50,000 per annum
Maturity Period: 15 years
Interest Rate (2026): 7.1% per annum
Eligibility: Indian citizens (age-unlimited, minors with guardian)
Years 1-6
No withdrawal allowed
Year 7 onwards
Up to 50% of balance or previous year's balance (whichever is lower)
After 15 years
Full maturity amount
Post-maturity
Can extend for 5-year blocks with same or modified amount
PPF offers exceptional tax advantages:
Section 80C Deduction: Investment amount is fully deductible from taxable income (max ₹1.5L)
Tax-Free Interest: All accrued interest is completely tax-exempt
Tax-Free Maturity: Maturity amount is not taxable
This makes PPF one of the most tax-efficient investment instruments in India.
| Aspect | PPF | FD | SIP | RD |
|---|---|---|---|---|
| Safety | Govt Backed ✓ | Bank Backed ✓ | Market Risk | Bank Backed ✓ |
| Returns | 7.1% (Fixed) | 5.5-6.5% | 12-15%* | 5-6% |
| Maturity | 15 years | Flexible | Flexible | Flexible |
| Tax (Interest) | 0% | Taxable | Taxable | Taxable |
| Liquidity | After 7yr | 100% | High | After tenure |
*SIP returns are not guaranteed and subject to market conditions
Disclosure: This page contains affiliate links. We may earn a commission if you open a demat account through our partner.
Ready to diversify beyond PPF? Open a free demat account and explore equity mutual funds for potentially higher returns over the long term.
Open Free Zerodha AccountThe minimum annual investment is ₹500 and maximum is ₹1.5 lakh per financial year.
The PPF calculator helps you estimate the maturity value of your Public Provident Fund account based on your annual contribution, the current government interest rate of 7.1%, and your investment tenure. Enter your yearly deposit amount and the calculator instantly shows your year-wise balance, total interest earned, and the final corpus at maturity.
PPF is one of India's most trusted long-term savings instruments — government-backed, completely tax-free, and available to every Indian citizen. The account matures after 15 years and can be extended in 5-year blocks, making it ideal for retirement planning, children's education, or any long-term financial goal.
| Year | Cumulative Investment | Balance at 7.1% | Interest Earned |
|---|---|---|---|
| Year 5 | ₹7,50,000 | ₹8,97,194 | ₹1,47,194 |
| Year 10 | ₹15,00,000 | ₹21,24,285 | ₹6,24,285 |
| Year 15 (Maturity) | ₹22,50,000 | ₹40,68,209 | ₹18,18,209 |
| Year 20 (Extended) | ₹30,00,000 | ₹66,58,288 | ₹36,58,288 |
| Year 25 (Extended) | ₹37,50,000 | ₹1,03,08,015 | ₹65,58,015 |
PPF is one of the very few investments in India that qualifies for EEE (Exempt-Exempt-Exempt) tax status:
For someone in the 30% tax bracket investing ₹1.5 lakh/year, the Section 80C deduction alone saves ₹46,800 in annual tax (including 4% cess). Combined with tax-free interest and maturity, the effective post-tax return on PPF is significantly higher than a comparable bank FD.
Minimum annual investment is ₹500 and maximum is ₹1.5 lakh per financial year. You can make up to 12 deposits per year in any amount as long as the total does not exceed ₹1.5 lakh.
Base maturity is 15 years from the date of account opening. You can extend in blocks of 5 years after maturity — either with further contributions or without (balance continues to earn interest tax-free).
As of 2026, the PPF interest rate is 7.1% per annum, compounded annually. The rate is set by the government and reviewed quarterly. Interest is calculated on the minimum balance between the 5th and last day of each month.
Partial withdrawal is allowed from the 7th year onwards — up to 50% of the balance at the end of the 4th year or the end of the previous year, whichever is lower. Full premature closure is only allowed in exceptional cases like serious illness or higher education.
Yes. PPF offers triple tax exemption (EEE): contributions up to ₹1.5 lakh qualify for Section 80C deduction, interest earned is completely tax-free, and the maturity amount is also exempt from tax — no capital gains tax applies.
Deposit before the 5th of each month to earn interest for that month. For lump sum investors, depositing before April 5th ensures interest for all 12 months of the financial year — maximising annual returns.