PPF Calculator

Public Provident Fund maturity value — annual contribution, interest rate (Government of India), 15-year lock-in.

Inputs

₹
₹500₹150K
%
5%12%
1550

Result

Maturity value
₹4,068,209
  • Total deposited₹2,250,000
  • Interest earned₹1,818,209
  • Growth multipleHow many times your money grew1.81×
  • Effective annual returnPPF interest is fully tax-exempt under Section 10(11)7.10% (tax-free)

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How to use this calculator

  • Enter your yearly PPF deposit (max ₹1,50,000).
  • Enter the current PPF interest rate (check GOI notification for current quarter).
  • Enter tenure — minimum 15 years, extendable in 5-year blocks.
  • Read the maturity value + total interest earned.

About this tool

PPF (Public Provident Fund) is India's most popular long-term savings scheme — 15-year lock-in, Government-backed, tax-free returns. Interest rate is revised quarterly by the Ministry of Finance (currently 7.1% p.a. for Q3 FY 2025-26). Annual deposit cap is ₹1,50,000 — which also gets full Section 80C tax deduction. Compounding is annual on the year-end balance. At full contribution for 15 years, corpus typically grows to ~2.7× the total deposited amount.

Frequently asked

As of Q3 FY 2025-26, PPF interest rate is 7.1% per annum, compounded annually. The Government of India (Ministry of Finance) reviews and notifies the rate every quarter.

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