PPF Calculator

Calculate your Public Provident Fund maturity value at the current 7.1% interest rate. See the year-by-year breakdown, tax savings under Section 80C (EEE status), partial withdrawal limits, and loan eligibility.

PPF Maturity

₹40.7L

%
years
%

Depositing ₹1,50,000/year for 15 years at 7.1%.

PPF Maturity Value

₹40,68,209

1.8× your deposits — 100% tax-free

Total deposited

₹22,50,000

₹1,50,000/yr × 15 yrs

Interest earned

₹18,18,209

45% of maturity

Composition at Maturity

Deposited (55%)
Interest (45%)

Compounding building up

45% of your maturity is interest. A longer tenure would let compounding work harder.

Tax Savings (Section 80C — Old Regime)

80C deduction/year
₹1,50,000
Tax saved/year (30% bracket)
₹45,000
Lifetime tax saved
₹6,75,000

PPF has EEE (Exempt-Exempt-Exempt) status: deposits get 80C deduction, interest is tax-free, and maturity is tax-free.

PPF Balance Growth

₹0₹2L₹4L₹6L₹8L₹10L₹12L₹14L₹16L₹18L₹20L₹22L₹24L₹26L₹28L₹30L₹32L₹34L₹36L₹38L₹40L₹42L0yr5yr10yr15yrYears
Total balance
Amount deposited
Interest earned

Liquidity Options

Loan (Year 3–6): Up to 25% of balance at end of 2nd preceding year. Earliest loan: ₹40,163 in year 3. Interest: PPF rate + 1%.

Partial withdrawal (Year 7+): Up to 50% of balance at end of 4th preceding year. Earliest withdrawal: ₹2,58,489 in year 7. One withdrawal per financial year. Tax-free.

Year-by-year PPF account growth showing deposits, interest, and balance
YearInterestBalance
1₹10,650₹1,60,650
2₹22,056₹3,32,706
3₹34,272₹5,16,978
4₹47,355₹7,14,334
5₹61,368₹9,25,701
6₹76,375₹11,52,076
7₹92,447₹13,94,524
8₹1,09,661₹16,54,185
9₹1,28,097₹19,32,282
10₹1,47,842₹22,30,124
11₹1,68,989₹25,49,113
12₹1,91,637₹28,90,750
13₹2,15,893₹32,56,643
14₹2,41,872₹36,48,515
15₹2,69,695₹40,68,209

PPF rules: 15-year lock-in (extendable in 5-year blocks). Min deposit ₹500/year, max ₹1,50,000/year. Interest rate is set by the government and revised quarterly — currently 7.1% p.a. (FY 2025-26). Deposits before the 5th of each month earn interest for that month. One account per person (minors can have a separate account).