PPF Calculator - Public Provident Fund Maturity & Interest

Your details

Amount deposited per financial year. Minimum is INR 500 and maximum is INR 1,50,000 under PPF rules.
INR
PPF has a mandatory 15-year lock-in. You can extend in blocks of 5 years (20, 25, 30 ... years).
years
Current Government of India PPF rate is 7.1% p.a. (FY 2026-27), compounded annually. You can adjust this to model rate changes.
%
Used to calculate loan eligibility (years 3-6) and partial withdrawal limit (year 7 onwards). Set to 1 if you are just starting.
year
Maturity valueModerate growth
₹2,712,139

Total corpus at the end of your investment period

Total deposited₹1,500,000
Interest earned₹1,212,139
Wealth gain ratio1.81
Max loan eligible (current year)₹0
Partial withdrawal limit (current year)₹0
Principal deposited₹1,500,000
Interest earned₹1,212,139
Maturity value₹2,712,139

Your PPF corpus will be INR 27.12 lakh at the end of 15 years.

  • You will contribute INR 15.00 lakh over 15 years and earn INR 12.12 lakh in tax-free interest.
  • Your money grows 1.81x on total deposits at 7.1% p.a., compounded annually.
  • All interest and the maturity amount are fully exempt from income tax under the EEE (Exempt-Exempt-Exempt) framework.

Next stepAt maturity you can extend for 5 more years (with or without contributions). Run this calculator again with 20 years to compare the INR 38.22 lakh projected corpus.

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