PPF Details
Min ₹500 — Max ₹1,50,000 per year
PPF matures in 15 years, extendable by 5 years
7.1% p.a.
Government-set rate (Q1 FY 2025-26)
Tax Benefits (EEE Status)
• Deposits deductible under Section 80C (up to ₹1.5L)
• Interest earned is tax-free
• Maturity amount is tax-free
Maturity Amount
₹40,68,209
Total Deposited
₹22,50,000
Interest Earned
₹18,18,209
Approx. Tax Saved (30% slab)
₹6,75,000 over 15 yrs
DepositedInterest
Year-by-Year Breakdown
| Yr | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
What is a PPF Calculator?
A PPF Calculator projects your Public Provident Fund corpus year by year, accounting for the 7.1% sovereign-guaranteed interest rate and the 15-year lock-in. PPF is one of India's most popular tax-saving instruments with EEE (Exempt-Exempt-Exempt) status.
How to Use It
- 1Enter your annual PPF contribution (₹500 to ₹1,50,000)
- 2Set the investment period (minimum 15 years, extendable in 5-year blocks)
- 3The calculator applies the current 7.1% interest rate compounded annually
- 4View year-by-year balance, interest credited, and final maturity corpus
Example
Investing ₹1,50,000/year (maximum) for 15 years at 7.1%: total contribution ₹22.5 lakh → maturity corpus ≈ ₹40.7 lakh. All interest and maturity proceeds are completely tax-free.
Why Use It
- Plan your Section 80C investments and maximize the ₹1.5 lakh deduction
- Model long-term wealth accumulation with zero credit risk
- Compare PPF vs ELSS mutual funds for tax-saving investments
- Decide whether to extend PPF beyond 15 years with or without contributions