Calculate Public Provident Fund (PPF) maturity amount with year-wise breakdown
PPF: 7.1% a year, compounded yearly (unchanged since April 2020). Rate for October–December 2026, notified on 30 September 2026; the government reviews it every quarter.
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Results are estimates, not financial advice. Rates, charges and rules change, so confirm with your bank, post office or a financial adviser before you decide. Terms of use
How to Use
- Choose how you deposit: Same every year, Same every month, Year by year (a different amount for each year) or Month by month.
- Set the month and year of your First deposit. For an older account, months already past use the official PPF rates of that time.
- Enter your deposit, the Interest rate for the months ahead (7.1% now) and the Duration. PPF runs 15 years and can be extended in blocks of 5.
- For Year by year, change any year's amount or rate in the table. For Month by month, fill in the grid that appears below the result.
- The maturity amount, total deposited and interest update as you type, with charts and a year-wise table below. Use copy result, share (a link with your numbers), image (a picture for WhatsApp), pdf for a printable report, or CSV for the table.
What is PPF?
The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, and one of the safest and most tax-efficient places to keep money in the country. It falls under the EEE (Exempt-Exempt-Exempt) tax category. Your deposits qualify for the 80C deduction, the interest is tax-free, and the maturity amount isn't taxed either. This PPF calculator shows what your deposits will grow to.
Key features
| Feature | Details |
|---|---|
| Interest Rate | 7.1% p.a. (October–December 2026, reviewed every quarter) |
| Minimum Deposit | ₹500 per year |
| Maximum Deposit | ₹1,50,000 per year |
| Lock-in Period | 15 years (extendable by 5-year blocks) |
| Tax Benefit | EEE (fully exempt) |
| Loan Facility | Available from 3rd to 6th year (up to 25% of balance) |
| Partial Withdrawal | Allowed from 7th year onwards |
How PPF interest is worked out
Interest is calculated on the lowest balance between the 5th and the last day of each month. So to get the most out of it, deposit before 5 April each financial year. That way your whole deposit earns interest for the full year.
PPF compared with other options
- It beats an FD after tax, because FD interest is taxed and PPF interest isn't.
- It's safer than equity, but you can't get at the money as easily because of the 15-year lock-in.
- It works well as the debt part of a balanced portfolio, alongside equity SIPs.