PPF Calculator
Project your Public Provident Fund maturity, tax-free.
The PPF rate is set quarterly by the government (7.1% has been typical recently) and interest is fully tax-free. The account locks for 15 years, extendable in 5-year blocks.
Results are estimates for information only, not financial advice. See how we build and verify our calculators.
The PPF is India's favourite guaranteed, tax-free savings scheme: deposit up to ₹1.5 lakh a year, earn a government-set rate (recently around 7.1%), and everything — deposits, interest, maturity — is tax-exempt. Project your corpus here.
How to use the PPF Calculator
- Enter your yearly deposit (₹1,50,000 is the annual cap).
- Keep the current interest rate or adjust it.
- Set the duration (minimum 15 years) and read the maturity value.
Frequently asked questions
What is the PPF interest rate?
The government resets it quarterly; it has hovered around 7.1% in recent years. Interest is compounded annually and credited each March 31.
Is PPF interest taxable?
No — PPF enjoys EEE status: the deposit qualifies for 80C (old regime), and both interest and maturity are completely tax-free.
Can I withdraw before 15 years?
Partial withdrawals are allowed from year 7, and loans against the balance from year 3. Full withdrawal needs the 15-year maturity, after which you can extend in 5-year blocks.