PPF Calculator
Project your Public Provident Fund maturity value.
Annual Investment
Interest Rate (p.a)
Tenure
Maturity
₹27,12,139
Maturity Value
₹27,12,139
Total Invested
₹15,00,000
Total Interest Earned
₹12,12,139
India's PPF scheme caps annual contributions at ₹1,50,000, has a 15-year lock-in, and can be extended in blocks of 5 years. Interest is set quarterly by the government — 7.1% is a recent reference rate, not guaranteed.
How this calculator works
PPF compounds annually — each year's contribution and the running balance both earn interest at the government-declared rate, credited once a year. Because contributions, interest and maturity proceeds are all tax-exempt (the "EEE" status), the real return is often higher than the headline rate compared to a taxable investment at the same rate.
The 15-year lock-in makes PPF best suited to long-term goals like retirement — partial withdrawals are allowed from year 7, but the account can't be closed early outside specific hardship cases.