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PPF Calculator

Calculate maturity value of your Public Provident Fund account

Last Updated: July 2026
Annual deposit (min ₹500, max ₹1,50,000)
Current PPF rate (7.1% for FY 2025-26)
PPF lock-in is 15 years (extendable by 5)
Total Deposited
—
Your contributions
Total Interest
—
Tax-free interest income
Maturity Value
—
Total corpus at maturity

PPF Growth Over Time

Yearly Breakdown

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What Is PPF?

The Public Provident Fund (PPF) is a long-term, tax-free savings scheme by the Government of India. It offers EEE tax status — contributions qualify for Section 80C deduction, interest is tax-free, and maturity is also tax-free.

The current rate is 7.1% per annum (FY 2025-26). Minimum deposit is ₹500, maximum ₹1,50,000 per year. The lock-in is 15 years, extendable in 5-year blocks.

PPF Calculation Formula

Maturity = P × [{(1+r)n −1}/r] × (1+r)
P = Annual depositr = Annual interest raten = Number of years

Frequently Asked Questions

What is the current PPF interest rate?
The PPF interest rate for FY 2025-26 is 7.1% per annum, reviewed quarterly by the Ministry of Finance. Interest is compounded annually and credited at the end of each financial year.
Is PPF interest taxable?
No. PPF has EEE (Exempt-Exempt-Exempt) status — contributions (80C), interest earned, and maturity amount are all completely tax-free. This makes PPF one of the most tax-efficient investments in India.
Can I open PPF for my child?
Yes, you can open a PPF account for a minor child. The ₹1.5 lakh annual limit applies across all PPF accounts (own + minor child). The account matures after 15 years.
Can I take a loan against PPF?
Yes, from the 3rd to 6th year. Loan amount is up to 25% of the balance at end of 2nd preceding year. Interest rate on loan is 1% above PPF rate.
What happens after PPF matures?
After 15 years, you can withdraw fully or extend in 5-year blocks. With contributions, you can continue depositing up to ₹1.5 lakh/year. Without contributions, balance continues earning interest.

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