PPF Calculator — India Scheme
Calculate your India Public Provident Fund (PPF) maturity amount with tax-free compounding projections.
Parameters
1,50,000
Max ₹1,50,000 per year (Section 80C limit)
0
Enter your current PPF account balance, if applicable
15 Yrs
7.1%
Current rate: 7.1% p.a. (compounded annually)
Maturity Amount
$4,068,209
Total Invested
$2,250,000
Interest Earned
$1,818,209
About PPF: The Gold Standard of Tax-Saving Investments
Understand the full power of PPF — sovereign safety, tax-free compounding, and government-backed returns. Plan your long-term wealth with precision.
Why PPF Is India's Most Trusted Long-Term Investment
The Public Provident Fund (PPF) is a government-backed savings scheme that offers a unique combination of safety, attractive interest, and significant tax advantages. With a sovereign guarantee and an interest rate of 7.1% p.a. (compounded annually), PPF remains the cornerstone of a sound long-term wealth-building strategy for Indian investors.
Contributions to PPF qualify for deduction under Section 80C of the Income Tax Act, up to ₹1,50,000 per year. The interest earned and the maturity amount are both completely tax-free, making PPF an EEE (Exempt-Exempt-Exempt) investment — one of the very few remaining in India.
Tax Advantages and Long-Term Compounding Power
The power of PPF lies in its compounding over the long term combined with unmatched tax efficiency. By investing ₹1,50,000 annually for 15 years at 7.1%, you accumulate a corpus of approximately ₹40.68 Lakh — on a total investment of only ₹22.5 Lakh.
- Triple Tax Benefit (EEE): Contributions, interest earned, and maturity proceeds are all exempt from income tax.
- Sovereign Guarantee: PPF is backed by the Government of India, making it one of the safest investments available.
- Loan Facility: You can avail a loan against your PPF balance from the 3rd to 6th year at a low interest rate.
- Extension Benefit: After 15 years, extend in 5-year blocks to continue compounding tax-free growth.
Let's Talk Money
by Monika Halan
India's bestselling personal finance guide — practical, jargon-free advice on tax-saving, PPF, mutual funds and building wealth.
Get the BookQuestions & Answers
What is PPF current interest rate in 2026?
The current PPF interest rate for FY 2026-27 is 7.1% per annum, compounded annually. The rate is set by the Government of India and reviewed quarterly.
Can I extend PPF beyond 15 years?
Yes, PPF accounts can be extended in blocks of 5 years indefinitely after the initial 15-year lock-in. You can extend with or without contributions. If extended with contributions, you continue to earn interest and can make deposits. If extended without contributions, the balance continues to earn interest but no fresh deposits are allowed.
What is the maximum PPF contribution per year?
The maximum annual contribution to a PPF account is ₹1,50,000 (Rs 1.5 Lakh) per financial year. Contributions above this limit are not eligible for tax benefits and do not earn interest. The minimum annual contribution is ₹500 to keep the account active.