Estimate your PPF maturity value using the current verified interest rate and your annual contribution.
⏳ Checking current PPF rate…
Calculation assumption: This estimate assumes the annual contribution is made at the beginning of each financial year. Actual PPF interest depends on deposit timing and account balance.
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The calculator enforces the currently verified annual PPF contribution limit of ₹1,50,000.
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Total Contributions
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Interest Earned
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Total Tax-Free Maturity Value
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PPF Benefits & Key Rules
Sovereign GuaranteeSection 80C CompliantEEE Tax Bracket
The Public Provident Fund is backed directly by the Central Government of India. It features asset immunity protections, ensuring that account balances cannot be attached by any order or decree of a court in respect of any debt or liability.
How the PPF Calculation Works
The Public Provident Fund (PPF) is a long-term savings scheme with a 15-year maturity period. This calculator estimates the maturity value using the selected annual contribution and the currently verified PPF interest rate.
The Annual Compounding Math
PPF calculations require an iterative compounding process executed once at the close of every fiscal year:
F = P × [ { (1 + f)^n - 1 } / f ] × (1 + f)
Here, F is the estimated maturity value, P is the annual contribution, f is the annual interest rate, and n is the number of years. The calculator assumes each annual contribution is made at the beginning of the financial year.
Deposit Timing Matters
Interest allocations are computed on the lowest balance recorded between the close of the 5th day and the final day of every single month. Because PPF interest is based on the lowest balance between the 5th and last day of each month, depositing early in the month can help you earn interest for that month. The exact result depends on your actual deposit timing.
The PPF interest rate is set by the Government of India and reviewed quarterly. The current verified rate and applicable period are displayed in the calculator above. Interest is calculated monthly on the minimum balance between the 5th and last day of each month.
What is the PPF lock-in period? +
PPF has a 15-year lock-in period, counted from the end of the financial year of account opening. An account opened in any month of FY 2026-27 matures on March 31, 2042. After maturity, you can withdraw fully, extend without deposits (earning interest), or extend with continued deposits in 5-year blocks.
Can I withdraw PPF money before 15 years? +
Partial withdrawal is allowed from Year 7 onwards — up to 50% of the balance at the end of the 4th year preceding the withdrawal year. Before Year 7, only premature closure is allowed (with a 1% interest penalty) in specific cases like serious illness or higher education of the account holder.
What is the maximum PPF deposit per year? +
The calculator uses the verified annual contribution limit of ₹1.5 lakh for the financial year. This can be invested as a lump sum or in maximum 12 installments. Deposits above ₹1.5 lakh do not earn interest and are returned. The minimum annual deposit to keep the account active is ₹500.
Is PPF maturity amount fully tax-free? +
Yes — PPF has EEE (Exempt-Exempt-Exempt) status. Contributions are deductible under Section 80C (up to ₹1.5L). Interest earned is tax-free. Maturity amount is completely tax-free. This triple tax benefit makes PPF one of the most tax-efficient savings instruments available.
ℹ️ For informational use only. Results are estimates based on inputs provided. Not financial, tax, or investment advice. Consult a qualified professional for personalised guidance. Rates are indicative and may vary. Read full disclaimer.