PPF Calculator
Estimate the maturity value of your Public Provident Fund. Adjust your yearly deposit, the government-set interest rate and the tenure to see how your tax-free corpus grows.
EEE tax-free · Section 80C eligiblePlan your PPF investment
Set by the government each quarter.
15-yr lock-in, extendable in 5-yr blocks.
Maturity value
₹40.68L
₹40,68,209
Illustrative estimate; the PPF rate is set by the government quarterly and the actual maturity value will vary with the notified rate and the timing of your deposits.
Invested vs. value over time
How your contributions and tax-free interest compound across 15 years.
Government-backed
PPF is a sovereign-guaranteed scheme, so your capital and the interest are fully secure — no market risk.
EEE tax status
Deposits are deductible under Section 80C, the interest earned is tax-free, and the maturity amount is exempt from tax.
15-year lock-in
The account matures after 15 financial years. Partial withdrawals are allowed from year 7, and it is extendable in 5-year blocks.
Govt-set rate
The interest rate is reviewed and notified by the government every quarter and compounded once a year on your balance.
How the PPF calculation works
We assume your full yearly deposit goes in at the start of each financial year and earns the government-set rate, compounded annually on the running balance. The PPF cap is ₹1.5 lakh per financial year and the minimum is ₹500. After the mandatory 15-year lock-in you can withdraw the full tax-free maturity amount or extend the account in 5-year blocks (with or without fresh contributions). Because the rate is revised quarterly, treat the figures above as an illustration rather than a guaranteed return.
PPF — frequently asked questions
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