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Calculate the maturity value of your PPF account. Leverage the power of EEE (Exempt-Exempt-Exempt) tax benefits to build a massive, 100% tax-free retirement corpus.
The Govt of India reviews and fixes PPF rates quarterly. Currently set at 7.1%.
PPF matures in 15 years. You can extend it in blocks of 5 years indefinitely.
Compound Interest Formula
A = P × [((1+r)ⁿ - 1) / r] × (1+r)
Where A is Maturity, P is Annual Installment, n is Years, r is Annual Rate/100
Maturity Amount
₹40,68,209
Completely Tax-Free (EEE)
Wealth Gained
₹18,18,209
80.8% absolute return
Total Invested
₹22,50,000
₹150.0K per year
Compound Rate
7.1
Annual interest
| Year | Total Deposited | Corpus Balance | Total Interest |
|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹1,60,650 | +₹10,650 |
| Year 2 | ₹3,00,000 | ₹3,32,706 | +₹32,706 |
| Year 3 | ₹4,50,000 | ₹5,16,978 | +₹66,978 |
| Year 4 | ₹6,00,000 | ₹7,14,334 | +₹1,14,334 |
| Year 5 | ₹7,50,000 | ₹9,25,701 | +₹1,75,701 |
| Year 6 | ₹9,00,000 | ₹11,52,076 | +₹2,52,076 |
| Year 7 | ₹10,50,000 | ₹13,94,524 | +₹3,44,524 |
| Year 8 | ₹12,00,000 | ₹16,54,185 | +₹4,54,185 |
| Year 9 | ₹13,50,000 | ₹19,32,282 | +₹5,82,282 |
| Year 10 | ₹15,00,000 | ₹22,30,124 | +₹7,30,124 |
| Year 11 | ₹16,50,000 | ₹25,49,113 | +₹8,99,113 |
| Year 12 | ₹18,00,000 | ₹28,90,750 | +₹10,90,750 |
| Year 13 | ₹19,50,000 | ₹32,56,643 | +₹13,06,643 |
| Year 14 | ₹21,00,000 | ₹36,48,515 | +₹15,48,515 |
| Year 15 | ₹22,50,000 | ₹40,68,209 | +₹18,18,209 |
PPF interest is calculated monthly but compounded annually at the end of every financial year.
Important Rule: To maximize your PPF returns, you must deposit your money before the 5th of every month. The interest is calculated on the lowest balance between the 5th and the end of the month.
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Book Free ConsultationThe Public Provident Fund is the only investment in India with genuine Exempt-Exempt-Exempt status — your investment, interest, AND maturity are all 100% tax-free. Combined with a government-backed 7.1% guarantee, PPF is the ultimate risk-free wealth builder for patient investors.
Always deposit your PPF sum before the 5th of the month. PPF interest is calculated on the lowest balance between the 5th and the end of the month. If you deposit on the 6th, you lose the interest for that entire month.
Never close your PPF strictly at 15 years if you don't need the money. Extending it for a 5-year block forces your giant 15-year accumulated corpus to act as a principal that earns 7.1% tax-free interest, causing an explosion in compounding.
Need emergency funds? Instead of taking a costly personal loan at 12-14%, you can borrow against your PPF balance between the 3rd and 6th year at an interest rate just 1% higher than the prevailing PPF rate.
If you invest the maximum ₹1,50,000 every year at 7.1%:
Governing Law: PPF is governed by the Public Provident Fund Scheme, 2019 under the Government Savings Promotion Act, 2019. Interest rates are set by the Ministry of Finance quarterly.
Where to Open: PPF accounts can be opened at designated Post Offices, SBI branches, or through authorized nationalized/private banks. You can hold only ONE PPF account (one account per PAN). Opening a second account is illegal and the duplicate will be closed.
Disclaimer: PPF interest rate (currently 7.1%) is revised quarterly by RBI/Ministry of Finance. While it has been stable at 7.1% since Oct 2020, it can change. Historical range: 7.1% - 12% over the past 30 years. Past rates do not guarantee future rates.
PPF covers safety. Now optimize across risk levels: