Estimate your PPF maturity amount, total interest earned and get a year-by-year breakdown instantly.
Maturity Amount
Total Invested: ₹ 0
Total Interest Earned: ₹ 0
📊 Year-by-Year PPF Breakdown
| Year | Opening Balance (₹) | Deposit (₹) | Interest Earned (₹) | Closing Balance (₹) |
|---|
The Public Provident Fund (PPF) is a long-term, government-backed savings scheme introduced in India in 1968. PPF falls under the EEE (Exempt-Exempt-Exempt) tax category — the investment qualifies for Section 80C deduction, the interest earned is tax-free, and the maturity amount is also completely exempt from tax.
F = P × [((1 + i)^n − 1) / i] × (1 + i)
Where F = Maturity amount, P = Annual investment, i = Annual interest rate, n = Number of years.
PPF has a mandatory lock-in period of 15 years. After maturity, you can extend it in blocks of 5 years, any number of times.
Minimum ₹500 and maximum ₹1,50,000 per financial year. Investments can be made in lump sum or up to 12 instalments.
PPF investments qualify for deduction under Section 80C up to ₹1,50,000 per year. The interest and maturity amount are both fully tax-free.
Also try: Use our FD Calculator to compare PPF with Fixed Deposit returns, our SIP Calculator for mutual fund planning, or our Income Tax Calculator to plan your 80C deductions.
The current PPF interest rate is 7.1% per annum, compounded annually. It is set by the Government of India and reviewed quarterly.
Yes. PPF is EEE — investment is deductible under 80C, interest is tax-free, and maturity amount is completely tax-free.
Partial withdrawal is allowed from the 7th year. Premature closure is only allowed after 5 years in specific cases.