🏛️ PPF Calculator

A PPF (Public Provident Fund) calculator shows your estimated corpus at the end of the 15-year lock-in period. Enter your annual contribution (up to ₹1.5 lakh) and the current PPF interest rate to see year-by-year balance growth and total tax-free maturity value.

🇺🇸 Calculating for United States

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PPF details

Annual contribution (INR)

Interest rate (%)

Time period (years)

PPF maturity value after 15 years

₹40,68,209.22

At 7.1% annual interest, compounded yearly — interest is fully tax-free

Total contributions

₹22,50,000.00

Interest earned

₹18,18,209.22

PPF balance growth year by year

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Frequently asked questions

What is the current PPF interest rate?▾

The PPF interest rate is set by the government every quarter. The current rate (2025) is 7.1% per annum. Interest is credited annually on 31 March and is completely tax-free.

What is the maximum PPF deposit limit?▾

The maximum annual contribution to a PPF account is ₹1,50,000 (₹1.5 lakh). The minimum is ₹500 per year. Contributions can be made in lump sum or up to 12 installments per year.

How is PPF maturity calculated?▾

PPF compounds annually. Balance = (Previous balance + Annual contribution) × (1 + rate). After 15 years, you can withdraw the full balance tax-free. Extensions are available in 5-year blocks.

Is PPF tax free?▾

Yes. PPF follows the EEE (Exempt-Exempt-Exempt) tax status — contributions qualify for Section 80C deduction, interest earned is tax-free, and maturity proceeds are completely tax-free.

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Disclaimer: This calculator is for informational and educational purposes only. Results are estimates and not financial advice. Consult a licensed financial advisor before making financial decisions.