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Plan your PPF investments with our free calculator. Track year-wise growth, total interest earned, and maturity amount for your Public Provident Fund account.
Total Deposits
₹22,50,00055.3% of total
Interest Earned
₹18,18,20944.7% of total
Maturity Amount
₹40,68,209Tax Benefits
PPF qualifies for deduction under Section 80C. Interest and maturity are tax-free.
| Year | Deposits | Returns | Corpus |
|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| Year 2 | ₹3,00,000 | ₹32,706 | ₹3,32,706 |
| Year 3 | ₹4,50,000 | ₹66,978 | ₹5,16,978 |
| Year 4 | ₹6,00,000 | ₹1,14,334 | ₹7,14,334 |
| Year 5 | ₹7,50,000 | ₹1,75,701 | ₹9,25,701 |
| Year 6 | ₹9,00,000 | ₹2,52,076 | ₹11,52,076 |
| Year 7 | ₹10,50,000 | ₹3,44,524 | ₹13,94,524 |
| Year 8 | ₹12,00,000 | ₹4,54,185 | ₹16,54,185 |
| Year 9 | ₹13,50,000 | ₹5,82,282 | ₹19,32,282 |
| Year 10 | ₹15,00,000 | ₹7,30,124 | ₹22,30,124 |
| Year 11 | ₹16,50,000 | ₹8,99,113 | ₹25,49,113 |
| Year 12 | ₹18,00,000 | ₹10,90,750 | ₹28,90,750 |
| Year 13 | ₹19,50,000 | ₹13,06,643 | ₹32,56,643 |
| Year 14 | ₹21,00,000 | ₹15,48,515 | ₹36,48,515 |
| Year 15 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
| Total | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers attractive interest rates and tax benefits. It is one of the most popular tax-saving instruments in India, with the triple benefit of tax-deductible contributions, tax-free interest, and tax-free maturity proceeds.
If you deposit the maximum ₹1,50,000 per year in your PPF account at 7.1% interest for 15 years, your total deposits of ₹22,50,000 would grow to approximately ₹40,68,324. You would earn ₹18,18,324 in tax-free interest, and the entire maturity amount is tax-exempt.
PPF offers EEE (Exempt-Exempt-Exempt) tax status: your deposits qualify for deduction under Section 80C up to ₹1.5 lakh per year, the interest earned is tax-free, and the maturity amount is also tax-free. This makes PPF one of the most tax-efficient investment options in India.
Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, offering tax benefits under Section 80C and tax-free returns.
The PPF interest rate is set by the Government of India quarterly. It is currently around 7.1% per annum, compounded annually.
PPF has a lock-in period of 15 years, which can be extended in blocks of 5 years. Minimum annual deposit is ₹500, maximum is ₹1.5 lakh.
Yes, PPF investments qualify for deduction under Section 80C, and the interest earned and maturity amount are completely tax-free.
Yes, you can extend your PPF account in blocks of 5 years indefinitely. During extension, you can continue to contribute and earn interest, or simply let the balance grow without further deposits.