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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.

No market riskGuaranteed return15 years, extendable in blocks of 5 years

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

Maturity value₹40.7 L

Invested55.3%
Interest44.7%

Show what it is worth in today’s money

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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PPF

PPF questions, answered

How the arithmetic on this page works, what the projection assumes, and where the output is most often misread.

On the lowest balance in the account between the fifth day and the last day of each month, credited once at the end of the financial year. The practical consequence is that a deposit made on or before the fifth earns interest for that month, and the same deposit made on the sixth does not. Over fifteen years, consistently depositing early in the month is worth a noticeable amount for no extra money.

The government notifies small-savings rates quarterly, so the rate is not fixed for the life of the account the way a bank deposit rate is — it applies to the quarter and can be revised. This calculator projects forward at a single rate, which is a simplification: the real account will have earned several different rates across its term. The rate shown on this page is recorded with the source it was read from and the date it was checked.

The account matures and you can withdraw the whole balance, or extend in blocks of five years — with or without continuing to contribute. An extended account keeps earning the notified rate, which is why some people leave a matured PPF running rather than closing it. Extension has to be requested within a window after maturity.

Only within limits. Partial withdrawals become available after a number of years and are capped by a formula based on the earlier balance, and loans against the balance are possible in the early years. A full exit before maturity is allowed only in specific circumstances and carries an interest penalty. Treat the money as locked for planning purposes.

PPF has historically been exempt at all three stages in India — the deposit qualifies for deduction, the interest is not taxed as it accrues, and the maturity amount is not taxed on withdrawal. That treatment is set by legislation and can be amended, and the deduction depends on which tax regime you are under. Confirm the current year's position before relying on it.

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.

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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.

PPF Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

PPF questions, answered

How is PPF interest calculated?

Who sets the rate, and how often does it change?

What happens at the end of fifteen years?

Can I take money out before maturity?

How is PPF taxed?

PPF Calculator

How it builds up

What the number above does not tell you

Worth weighing before you commit

Other calculators

PPF questions, answered

How is PPF interest calculated?

Who sets the rate, and how often does it change?

What happens at the end of fifteen years?

Can I take money out before maturity?

How is PPF taxed?