Public Provident Fund (PPF) Calculator
Calculate PPF maturity with year-wise breakdown (minimum 15 years)
PPF Maturity Returns
Public Provident Fund (PPF) Calculator
PPF is a government-backed long-term savings scheme with tax benefits. It has a 15-year lock-in period (extendable in 5-year blocks) with quarterly interest rate revisions.
Formula
For annual contributions: Sum of each year's contribution grown at compound interest
Current Rates (2025)
PPF Interest Rate (Q2 FY 2025-26)
Government of India notification, July-Sep 2025
Example Calculation
Scenario:
Annual contribution of ₹1,50,000 for 15 years at 7.1% p.a.
Calculation:
Year-wise compounding of each contributionResult:
Approx. ₹40.68 lakh (Investment: ₹22.5 lakh, Interest: ₹18.18 lakh)
Key Points
- •Minimum investment: ₹500 per year; Maximum: ₹1.5 lakh per year
- •Can make deposits in lumpsum or up to 12 installments per year
- •Lock-in period of 15 years; extendable in blocks of 5 years
- •Partial withdrawal allowed after 5th year (limited to 50% of balance)
- •Loan available from 3rd to 6th year (up to 25% of balance)
Tax Implications:
- •Contributions qualify for Section 80C deduction (up to ₹1.5 lakh)
- •Interest earned is completely tax-free
- •Maturity amount is tax-free (EEE status)
- •No TDS applicable on PPF accounts
- •Can be opened for minors; guardian can claim 80C deduction
Disclaimer: The calculations and information provided are estimates based on the inputs provided and current rates as of November 2025. Actual results may vary. Interest rates, tax laws, and regulations are subject to change. Please consult with a qualified financial advisor or tax professional for personalized advice.