PPF Calculator
Estimate your PPF maturity with yearly deposits at the current 7.1% rate.
About the PPF Calculator
Enter your yearly deposit (₹500–₹1.5 lakh), the tenure (15 years or extended) and the interest rate. The calculator assumes deposits before 5 April each year and annual compounding.
PPF Calculator
How the calculation works
Balance(y) = (Balance(y−1) + Deposit) × (1 + r). Maturity = Balance after N years.
| Assumption | Value |
|---|---|
| Current rate | 7.1% p.a. |
| Tenure | 15 years + 5-year extension blocks |
| Minimum | ₹500 per financial year |
| Maximum | ₹1.5 lakh per financial year |
| Tax | EEE |
Read the full Public Provident Fund (PPF) guide →
Ready reckoner
| Yearly deposit (at start of FY) | Total invested (15 yrs) | Maturity value @7.1% | Tax-free gain |
|---|---|---|---|
| ₹12,000 (₹1,000/month) | ₹1,80,000 | ₹3,25,457 | ₹1,45,457 |
| ₹50,000 | ₹7,50,000 | ₹13,56,070 | ₹6,06,070 |
| ₹1,00,000 | ₹15,00,000 | ₹27,12,139 | ₹12,12,139 |
| ₹1,50,000 (max) | ₹22,50,000 | ₹40,68,209 | ₹18,18,209 |
Illustration assumes the 7.1% rate stays constant for 15 years and deposits are made before 5 April every year. Actual maturity changes whenever the Government revises the quarterly rate.
Frequently asked questions
Why is the actual maturity different?
The Government changes the PPF rate quarterly; the calculator assumes a constant rate.
Can I use this for extension?
Yes — set years to 20 or 25.
Information is for education and comparison. Interest rates are notified by the Government every quarter and scheme rules can change — confirm with India Post, your bank, EPFO or PFRDA before investing. FinancePortal is not a financial or tax adviser.