PPF Calculator
Calculate PPF maturity amount and year-wise balance. Tax-free returns under EEE status.
PPF Details
PPF Key Facts
- • Minimum investment: ₹500/year
- • Maximum investment: ₹1,50,000/year
- • Lock-in: 15 years (extendable in 5-yr blocks)
- • Tax benefit: EEE — Exempt at all 3 stages
Maturity Amount
₹40,68,209
Total Invested
₹22,50,000
Tax-Free Interest
₹18,18,209
Year-wise PPF Growth
Year-wise Balance Table
| Year | Cumulative Invested | Interest Earned | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹3,00,000 | ₹32,706 | ₹3,32,706 |
| 3 | ₹4,50,000 | ₹66,978 | ₹5,16,978 |
| 4 | ₹6,00,000 | ₹1,14,334 | ₹7,14,334 |
| 5 | ₹7,50,000 | ₹1,75,701 | ₹9,25,701 |
| 6 | ₹9,00,000 | ₹2,52,076 | ₹11,52,076 |
| 7 | ₹10,50,000 | ₹3,44,524 | ₹13,94,524 |
| 8 | ₹12,00,000 | ₹4,54,185 | ₹16,54,185 |
| 9 | ₹13,50,000 | ₹5,82,282 | ₹19,32,282 |
| 10 | ₹15,00,000 | ₹7,30,124 | ₹22,30,124 |
| 11 | ₹16,50,000 | ₹8,99,113 | ₹25,49,113 |
| 12 | ₹18,00,000 | ₹10,90,750 | ₹28,90,750 |
| 13 | ₹19,50,000 | ₹13,06,643 | ₹32,56,643 |
| 14 | ₹21,00,000 | ₹15,48,515 | ₹36,48,515 |
| 15 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
PPF rate is subject to quarterly revision by the Government of India. Current rate: 7.1%
PPF Calculator — India 2025 (7.1% Rate)
Public Provident Fund (PPF) is India's most tax-efficient long-term savings scheme. With the unique EEE (Exempt-Exempt-Exempt) status, your investment, interest earned, and maturity amount are all completely tax-free. At the current rate of 7.1% p.a., a ₹1.5 lakh/year investment for 15 years grows to approximately ₹40.7 lakh — fully tax-free. Our calculator shows the year-wise balance and cumulative interest.
Frequently Asked Questions — PPF
What is PPF and why is it popular?
Public Provident Fund is a government-backed long-term savings scheme with 15-year lock-in. It enjoys EEE (Exempt-Exempt-Exempt) tax status — investment qualifies for 80C deduction, interest is tax-free, and maturity proceeds are tax-free. Current rate: 7.1% p.a., revised quarterly by the government.
How is PPF interest calculated?
PPF interest is calculated on the minimum balance between the 5th and last day of each month. Deposits made before the 5th earn interest for that month. This is why it is recommended to invest in PPF before the 5th of each month/year.
Can I withdraw from PPF before 15 years?
Partial withdrawal is allowed from the 7th financial year onwards — up to 50% of the balance at the end of the 4th year or the immediately preceding year, whichever is lower. Full premature closure is allowed only under specific conditions like life-threatening illness or higher education.
What is the maximum PPF investment per year?
The maximum annual investment in PPF is ₹1.5 lakh per financial year. The minimum is ₹500. You can make up to 12 deposits per year. The entire ₹1.5 lakh qualifies for deduction under Section 80C.
Can I extend PPF after 15 years?
Yes, PPF can be extended in blocks of 5 years after the initial 15-year period — with or without contributions. With contributions, you continue earning interest on new deposits and the existing balance. Without contributions, the balance continues to earn the prevailing interest rate tax-free.
Disclaimer: PPF rates are revised quarterly by the Government of India. All calculations use the currently entered rate and are for illustration only.
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