PPF Calculator
Calculate Public Provident Fund maturity value. Plan your long-term tax-saving investments with current PPF interest rates.
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Max PPF contribution: 1,50,000/year
Current PPF rate: 7.1% (FY 2024-25)
Min lock-in: 15 years. Can extend in 5-year blocks.
Maturity Value
₹40,68,209
Tax-free under Section 80C
Total Deposits
₹22,50,000
Total Interest
₹18,18,209
Deposits vs Interest Earned
55%
45%
Deposits Interest
Wealth Multiplier
1.81x your investment
Year-by-Year Growth
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
Frequently Asked Questions
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (FY 2024-25), which is set by the Government of India and revised quarterly.
What is the lock-in period for PPF?
PPF has a mandatory lock-in period of 15 years. After maturity, you can extend it in blocks of 5 years with or without contributions.
Is PPF interest taxable?
No, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status under Section 80C. The deposits, interest earned, and maturity amount are all completely tax-free.
What is the maximum I can invest in PPF per year?
The maximum annual contribution to a PPF account is Rs 1,50,000. The minimum deposit required per year is Rs 500.