PPF Calculator — Provident Fund Returns
Estimate how much your Public Provident Fund account will grow over its 15-year tenure and beyond. Enter your yearly deposit amount and the current interest rate to see the maturity value, total interest earned, and a year-by-year growth table. PPF remains one of the safest long-term savings options in India with guaranteed returns and full tax exemption on contributions, interest, and maturity. This calculator helps you plan your 80C investments and see how consistent deposits build a substantial tax-free corpus.
PPF Calculator
Public Provident Fund
Results
Adjust the sliders and click Calculate
Frequently Asked Questions
How does PPF interest get calculated?
PPF interest is calculated on the lowest balance between the 5th and the last day of each month, then compounded annually at the end of the financial year. This means deposits made after the 5th of a month do not earn interest for that month. To maximise returns, deposit your annual contribution before April 5th each year so your entire amount earns interest for all 12 months.
What are the tax benefits of PPF?
PPF enjoys EEE (Exempt-Exempt-Exempt) status, making it one of the most tax-efficient instruments available. Your annual contribution up to Rs 1.5 lakh qualifies for Section 80C deduction, the interest earned is completely tax-free, and the maturity amount is also exempt from tax. No other fixed-income investment in India offers this triple tax advantage.
Can I extend my PPF account beyond 15 years?
Yes, after the initial 15-year lock-in, you can extend your PPF account in blocks of 5 years indefinitely, with or without additional contributions. If you extend with contributions, you continue to get the Section 80C benefit and earn tax-free interest. Many long-term investors keep their PPF running well beyond 15 years as a low-risk, tax-free component of their portfolio.