Fixed income calculator

PPF Calculator

Public Provident Fund maturity (annual compounding). Adjust the sliders or type exact values — results update instantly.

Your inputs

Yearly investment

Interest rate

Tenure

Maturity value

₹40,68,209

≈ ₹40.68 L

Total invested₹22,50,000
Interest earned₹18,18,209

Total invested: ₹22,50,000
Interest earned: ₹18,18,209

Results are estimates. They are based only on the values you enter and the assumptions listed below, and may differ from the figures your bank, lender or fund house provides.

How it works

How the PPF calculator works

The Public Provident Fund (PPF) is a long-term, government-backed savings scheme with a 15-year lock-in (extendable in blocks of 5 years), annually compounded interest set by the government each quarter, and full tax exemption on contributions, interest, and maturity proceeds (EEE status) under prevailing tax rules.

This calculator compounds your yearly PPF contribution annually over your chosen tenure at the interest rate you specify, so you can see your projected maturity value and total interest earned.

For example, the full ₹1.5L/year contribution at 7.1% over the 15-year lock-in matures to roughly ₹40.7L on ₹22.5L invested — all of it tax-free at withdrawal under current rules.

FAQ

Frequently asked questions

What is the current PPF interest rate?

The PPF interest rate is set by the government every quarter and can change over time — check the current rate on the official PPF/India Post or bank portal before relying on a specific figure. This calculator lets you enter whatever current rate applies.

Is PPF better than FD?

PPF offers full tax exemption on contributions (up to the prescribed limit), interest, and maturity, which FDs do not — but PPF has a mandatory 15-year lock-in and an annual contribution cap, while FDs offer more flexible tenures and liquidity.

Can I extend my PPF account after 15 years?

Yes, a PPF account can be extended in blocks of 5 years after the initial 15-year maturity, either with continued contributions or without, as per the applicable rules at the time of extension.

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