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24K Gold₹14,291▼153 22K Gold₹13,100▼140 Silver/g₹235 Platinum/g₹4,895 Petrol₹96.72 Diesel₹89.62 Updated14 Jul 24K Gold₹14,291▼153 22K Gold₹13,100▼140 Silver/g₹235 Platinum/g₹4,895 Petrol₹96.72 Diesel₹89.62 Updated14 Jul
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PPF Calculator

See your PPF maturity after 15 years — total deposited, interest earned and the final amount — at the current 7.1% tax-free rate. Adjust your yearly deposit below.
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PPF maturity calculator

₹
% p.a.
years
Maturity amount₹0
Deposited ₹0 · interest ₹0 · tax-free

Deposit limit is ₹1.5 lakh/year; amounts above that earn no interest. Interest is compounded yearly; your actual maturity depends on deposit timing. Rate is government-set quarterly.

Why PPF is worth more than the rate suggests

The Public Provident Fund pays a government-set rate (7.1% now), compounded once a year, over a 15-year term. Its real edge is tax: PPF is EEE — the deposit cuts your taxable income under Section 80C, the interest is tax-free, and so is the maturity. A taxable fixed deposit at the same 7.1% is worth noticeably less after tax.

Because your money is locked for 15 years, PPF suits long-term, safe goals rather than money you may need soon. Compare it with a bank fixed deposit, or see how a lump sum in gold would have done on real recorded data.

Indicative and for information only — not investment advice. Confirm the current rate and rules with your bank or post office.

PPF calculator — FAQs

The PPF rate is set by the government every quarter. It is 7.1% per year at present (compounded yearly). Change the rate box if a new quarter revises it.
Between ₹500 and ₹1.5 lakh per financial year. Deposits above ₹1.5 lakh earn no interest. The account runs for 15 years and can be extended in 5-year blocks.
No. PPF is EEE — the deposit qualifies for a Section 80C deduction, the interest is tax-free, and the maturity amount is tax-free. That makes the effective return higher than a taxable FD at the same rate.
Interest is compounded once a year on the balance. This tool assumes the same yearly deposit for the full term and adds each year's compounded growth. Your real maturity depends on when in the year you deposit.
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