PPF Calculator
Estimate the maturity amount of your Public Provident Fund (PPF) investments.
Yearly Investment (₹)
₹
Time Period (Years)
Yr
Current PPF Interest Rate: 7.1% p.a.
Rate as of Q1 FY 2025-26 (April 2025). Reviewed quarterly by GoI.Maturity Value
₹ 40,68,209
Total Invested
₹ 22,50,000
Total Interest
₹ 18,18,209
What is PPF?
Public Provident Fund (PPF) is a popular long-term investment option in India backed by the Government of India. It offers safety with attractive interest rates and returns that are fully exempted from Tax.
PPF Rules
- Minimum & Maximum Investment: You must invest a minimum of ₹500 and a maximum of ₹1.5 Lakhs in a financial year.
- Maturity Period: The standard maturity period is 15 years, which can be extended in blocks of 5 years.
- Interest Rate: The interest rate is reviewed by the government every quarter. Currently, it is 7.1% p.a.
Example
Investing ₹1,50,000/year for 15 years at 7.1% annual interest (compounded yearly) grows to a maturity value of roughly ₹40.7 lakh, of which about ₹22.5 lakh is your own contribution.
Common Use Cases
- Planning long-term, tax-free retirement or goal-based savings.
- Comparing PPF returns against other Section 80C investment options.
FAQs
Is PPF interest taxable?
No — PPF falls under the EEE (Exempt-Exempt-Exempt) category: contributions, interest earned, and the maturity amount are all tax-free.