PPF Calculator
The PPF is India's favourite tax-free, government-backed savings scheme. See what your yearly deposits mature into.
Maturity value after 15 years
₹40.68 L
- Total deposits
- ₹22.5 L
- Interest earned
- ₹18.18 L
Assumes deposits at the start of each year at the current 7.1% rate. The government revises the PPF rate quarterly.
About this calculator
How it works
Deposits compound yearly at the notified PPF rate (currently 7.1%). The scheme runs 15 years and can be extended in 5-year blocks — the calculator lets you model extensions too.
Limits and rules
You can invest ₹500 to ₹1.5 lakh per financial year. Deposits made before the 5th of a month earn interest for that month, which is why early-year deposits mature higher.
Triple tax benefit
PPF is EEE: the deposit qualifies under Section 80C, interest is tax-free, and the maturity amount is tax-free. Few instruments match that.
Where PPF fits
Treat PPF as the safe core of a long-term portfolio, alongside equity SIPs for growth and term insurance for protection.