⚠️ Note: Rates and limits shown are indicative and based on rules at time of publishing. Government rates, tax slabs, and limits change periodically — please verify current figures from official sources before making financial decisions.
Advertisement
📢 Google AdSense 300×250
PPF Calculator India – Public Provident Fund Maturity Calculator
Calculate your PPF maturity amount from yearly investments over 15 years. The current PPF interest rate is 7.1% per annum compounded annually as declared by the Government of India.
PPF offers tax-free returns under Section 80C deduction and Section 10 exemption — making it one of India's best long-term savings instruments.
Advertisement
📢 Google AdSense 468×60
PPF Formula
PPF Maturity = P × {[(1+r)ⁿ − 1] / r} × (1+r) P = Yearly investment | r = Annual rate | n = Years
Current Rate: 7.1% p.a. Min Investment: ₹500/year Max Investment: ₹1,50,000/year
₹1,50,000/year at 7.1% for 15 years: Total Invested = ₹22,50,000 Maturity Amount = ₹40,68,209 Interest Earned = ₹18,18,209 (80.8% returns)
PPF Key Facts
Interest Rate
7.1% p.a.
Lock-in Period
15 years
Max per year
₹1,50,000
Tax Benefit
Sec 80C + Tax free
Compounding
Annual
Risk
Zero (Govt backed)
Frequently Asked Questions
The PPF interest rate is currently 7.1% per annum, compounded annually. The rate is declared by the Government of India every quarter and has been at 7.1% since April 2020.
No. The maximum amount that can be invested in a PPF account is ₹1,50,000 per financial year. Any amount above this limit does not earn interest and is not eligible for tax deduction.
No. PPF follows the Exempt-Exempt-Exempt (EEE) tax structure. The principal invested is deductible under Section 80C, interest earned is tax-free, and the maturity amount is completely tax-exempt.
Invest before 5th of April each year to earn interest for that month. PPF interest is calculated on the minimum balance between 5th and end of each month. Investing in April gives you interest for all 12 months of the year.