India PPF Calculator
Calculate your PPF maturity value and interest earned at 7.1% annual interest. See year-by-year growth of your Public Provident Fund investment.
PPF Details
Min: ₹500, Max: ₹1,50,000
PPF maturity is 15 years, extendable in 5-year blocks
Current Interest Rate
7.1% p.a.
Compounded annually, reviewed every quarter
PPF Projection
Total Contribution
₹22,50,000
Total Interest Earned
₹15,48,515
Maturity Value
₹37,98,515
Interest Rate
7.1%
Compounded annually
Contribution vs Interest Earnings
Contribution
₹22,50,000
59.2%
Interest
₹15,48,515
40.8%
Year-by-Year Breakdown
| Year | Contribution (₹) | Interest Earned (₹) | Balance (₹) |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹0 | ₹1,50,000 |
| 2 | ₹1,50,000 | ₹10,650 | ₹3,10,650 |
| 3 | ₹1,50,000 | ₹22,056 | ₹4,82,706 |
| 4 | ₹1,50,000 | ₹34,272 | ₹6,66,978 |
| 5 | ₹1,50,000 | ₹47,355 | ₹8,64,334 |
| 6 | ₹1,50,000 | ₹61,368 | ₹10,75,701 |
| 7 | ₹1,50,000 | ₹76,375 | ₹13,02,076 |
| 8 | ₹1,50,000 | ₹92,447 | ₹15,44,524 |
| 9 | ₹1,50,000 | ₹1,09,661 | ₹18,04,185 |
| 10 | ₹1,50,000 | ₹1,28,097 | ₹20,82,282 |
| 11 | ₹1,50,000 | ₹1,47,842 | ₹23,80,124 |
| 12 | ₹1,50,000 | ₹1,68,989 | ₹26,99,113 |
| 13 | ₹1,50,000 | ₹1,91,637 | ₹30,40,750 |
| 14 | ₹1,50,000 | ₹2,15,893 | ₹34,06,643 |
| 15 | ₹1,50,000 | ₹2,41,872 | ₹37,98,515 |
PPF: EEE Status (Tax Benefits)
- Exempt (E): Contributions are deductible under Section 80C (up to ₹1,50,000 with other 80C investments)
- Exempt (E): Interest earned is completely tax-free
- Exempt (E): Maturity amount is tax-free
PPF Key Features
- Lock-in Period: 15 years from opening
- Partial Withdrawal: Allowed from 7th financial year onwards (50% of balance or previous year balance)
- Loan Facility: Available from 4th to 6th financial year (up to 50% of balance)
- Extension: After maturity, can extend in blocks of 5 years with or without contributions
- Minimum Contribution: ₹500 per financial year
- Maximum Contribution: ₹1,50,000 per financial year
Disclaimer
This calculator provides estimates based on the current PPF interest rate. The actual rate is reviewed quarterly by the government and may change. These projections are for informational purposes only. Consult a financial advisor for personalized investment planning.
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