Banking
PPF Calculator
Projects the maturity value of a PPF account given annual contribution and the current PPF rate over the 15-year lock-in.
Your details
₹
%
yrs
Maturity value
₹40,68,209
Total contribution
₹22,50,000
Total interest
₹18,18,209
Your PPF matures to ₹40,68,209 — and because PPF is EEE (Exempt-Exempt-Exempt), this entire amount, including interest, is tax-free.
ContributedBalance
How this is calculated
Balance(year) = (Balance(year−1) + Contribution) × (1 + rate), compounded annually at the government-notified PPF rate.
Source: Default rate 7.1% p.a. — PPF rates are revised quarterly by the Ministry of Finance; verify the current rate before use.
Want to understand this better?
PPF vs FD vs RD: Which Should You Actually Use?
Frequently asked questions
What is the current PPF interest rate?
The PPF rate is notified by the government quarterly. This calculator defaults to 7.1% — always verify the current quarter's rate before relying on it.
Can I withdraw before 15 years?
Partial withdrawals are allowed from the 7th financial year onward, subject to limits; full withdrawal only at maturity or in specific hardship cases.
Is PPF interest taxable?
No — PPF is an EEE instrument: contribution, interest, and maturity are all tax-exempt.
What happens after maturity — can I extend?
You can extend in blocks of 5 years, with or without making further contributions.