Financierly - Visual Finance

PPF Calculator (Public Provident Fund)

Calculate 100% EEE tax-free PPF maturity returns at the current 7.1% p.a. Government rate.

12h Auto-Synced Govt Rate (7.1% p.a.)
Max ₹1,50,000/yr qualifies for Section 80C & tax-free interest
₹
₹500₹1.5 L
15-year lock-in, extendable in 5-year blocks up to 50 years
Yr
15 Yr50 Yr
Current Govt. of India PPF rate is 7.1% p.a. (compounded yearly)
%
5 %10 %
InvestedTax-Free Interest
Total InvestedTax-Free Interest
Total Invested (15 yrs)₹22,50,000
Tax-Free Interest (7.1%)+₹18,18,209
PPF Maturity Value (EEE Tax-Free)1.81x Wealth
₹40,68,209
Real Value (Today's Purchasing Power)₹16,97,521
Adjusted for 6%/yr inflation over 15 yrs

How the PPF Maturity Formula Works

Public Provident Fund (PPF) interest is calculated monthly on the lowest balance between the 5th and last day of the month and compounded annually at the end of every financial year:

F = P × [((1 + i)^n - 1) / i] × (1 + i) | P = Annual Deposit, i = 0.071, n = Years

Frequently Asked Questions

What is the current PPF interest rate in India?

The Government of India currently offers 7.10% p.a. compounded annually on Public Provident Fund (PPF) deposits. Interest earned and maturity proceeds are 100% tax-free (EEE status).

What is the maximum amount I can deposit in PPF per financial year?

You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in a PPF account (eligible for deduction under Section 80C under the old tax regime).

Can I extend my PPF account beyond 15 years?

Yes. After completing the 15-year lock-in period, you can extend your PPF account indefinitely in blocks of 5 years—either with fresh annual deposits or without deposits while continuing to earn tax-free interest.