PPF (Public Provident Fund) calculator
Estimate what your PPF account could grow to over its 15-year term. Enter how much you plan to deposit each year and see the total you invest, the interest earned, and the maturity amount — based on the current PPF rate of 7.1% per year.
Estimate only. Assumes the rate stays constant; the PPF rate is revised every quarter (currently 7.1%). The account matures after 15 years and can be extended in blocks of 5 years.
How this calculator works
- You deposit each year for the 15-year term (₹500 to ₹1.5 lakh per year).
- The balance earns interest at the PPF rate, compounded once a year.
- The account matures after 15 years; you can then extend it in blocks of 5 years, with or without further deposits.
- This tool assumes the rate stays the same. The real PPF rate is set by the government every quarter (7.1% for April–June 2026), so your actual maturity will differ as the rate changes.
Frequently asked questions
How much can I deposit in PPF per year?
Between ₹500 and ₹1.5 lakh per financial year, in up to 12 instalments or a lump sum.
What is the PPF lock-in period?
The full term is 15 years. Partial withdrawal is allowed from the 7th year, and a loan facility is available between years 3 and 6.
Is PPF interest tax-free?
Yes. PPF has EEE status — the deposit qualifies for Section 80C, and the interest and maturity amount are both tax-free.
Will my actual maturity match this estimate?
It is an estimate. The interest rate is revised every quarter, so the real amount will move as the rate changes over 15 years.
Next steps
Not sure if PPF is the right fit? Compare it with other options in our SSY vs PPF vs NSC guide, or use the eligibility checker to see which government schemes apply to you.
This calculator gives an estimate for general information only — it is not financial advice. The PPF interest rate is revised quarterly; confirm the current rate and rules at your post office or bank before investing.