PPF Calculator
Public Provident Fund maturity, compounded annually. The rate is set by the government and revised each quarter, so a 15-year projection assumes today's rate holds throughout — it will not.
7.1% p.a. for Q2 FY 2026-27 (Jul–Sep 2026) — recorded from an official source but not yet confirmed by us. Treat it as a starting figure and check before relying on it. Source · recorded 1 Jul 2026
Maturity value
₹40,68,209
after 15 years
You invest
₹22,50,000
Interest earned
₹18,18,209
Absolute return
80.8%
total gain on money in
Annualised (XIRR)
7.98%
money-weighted
How it builds up
- Invested55.3%
- Interest44.7%
Maturity value
₹40,68,209
Interest
₹18.2 L
What the number above does not tell you
A maturity figure is only half the picture. These are the terms attached to it.
- Risk
- No market risk
- Guaranteed by
- Sovereign — backed by the Government of India
- Lock-in
- 15 years, extendable in blocks of 5 years
- Liquidity
- Low — partial withdrawal allowed from year 7, loans from year 3
- Tax treatment
- EEE: deposits qualify under Section 80C, and both the interest and the maturity amount are tax-free.
- Yearly limit
- ₹1,50,000 maximum
Worth weighing before you commit
- The statutory rate is revised quarterly. A 15-year projection at today's rate is illustrative, not a forecast.
- Deposit before the 5th of the month — interest is calculated on the lowest balance between the 5th and month end.
- The ₹1.5 lakh annual ceiling is shared across all your PPF accounts, and 80C is shared with other eligible deductions.
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Please note: this is a calculator, not financial advice, and we are not an adviser, broker or distributor. The figures are arithmetic on the inputs you supply. Government-set rates are revised periodically, so a long projection at today's rate is illustrative rather than a forecast. Taxation depends on your own circumstances and on rules that change. For a decision of any size, speak to a SEBI-registered investment adviser or a qualified chartered accountant.