PPF Calculator
Estimate your Public Provident Fund maturity value.
PPF's interest rate is set by the government every quarter (7.1% has been common in recent years) — verify the current rate on the official India Post / NSI website before relying on this projection. Maximum yearly contribution is capped at ₹1,50,000 by law; the minimum lock-in is 15 years, extendable in blocks of 5.
How this works
Assumes one yearly deposit made at the start of each year, compounded annually: FV = P × [((1+r)n − 1) ÷ r] × (1+r). PPF interest is actually calculated monthly on the lowest balance between the 5th and last day of the month, so depositing early in the financial year (before April 5th) maximizes real returns slightly beyond this simplified estimate.
Frequently asked questions
Is PPF interest taxable?
No — PPF is an EEE (Exempt-Exempt-Exempt) instrument: contributions, interest, and maturity proceeds are all tax-free under current rules.
Can I withdraw before 15 years?
Partial withdrawals are allowed from the 7th year onward under specific conditions, and loans against the balance are allowed earlier — but full maturity requires completing the 15-year term (or an extended block).