PPF कैलकुलेटर
PPF calculator
See how a yearly PPF deposit could grow, with a year-by-year balance.
Runs in your browser · nothing uploaded
Starting value 7.1%, from 2025 notifications, not re-checked since. The government resets the PPF rate every quarter, so check the current rate and type it in.
Maturity amount
₹40.68 L
- You deposit
- ₹22,50,000
- Interest earned (tax-free)
- ₹18,18,209
- Maturity value
- ₹40,68,209
Formula: balance = (previous balance + yearly deposit) × (1 + r), repeated each year
- The whole yearly deposit is made before the 5th of April, so it earns interest for all 12 months.
- The rate stays the same for the whole tenure, which it won't in practice.
- Interest and maturity are exempt from income tax under current rules; check if that changes.
An estimate for planning, not financial advice. Real returns, rates and charges depend on your bank, fund or lender, and can change.
| Year | Deposited so far | Balance at year end |
|---|---|---|
| 1 | ₹1,50,000 | ₹1,60,650 |
| 2 | ₹3,00,000 | ₹3,32,706 |
| 3 | ₹4,50,000 | ₹5,16,978 |
| 4 | ₹6,00,000 | ₹7,14,334 |
| 5 | ₹7,50,000 | ₹9,25,701 |
| 6 | ₹9,00,000 | ₹11,52,076 |
| 7 | ₹10,50,000 | ₹13,94,524 |
| 8 | ₹12,00,000 | ₹16,54,185 |
| 9 | ₹13,50,000 | ₹19,32,282 |
| 10 | ₹15,00,000 | ₹22,30,124 |
| 11 | ₹16,50,000 | ₹25,49,113 |
| 12 | ₹18,00,000 | ₹28,90,750 |
| 13 | ₹19,50,000 | ₹32,56,643 |
| 14 | ₹21,00,000 | ₹36,48,515 |
| 15 | ₹22,50,000 | ₹40,68,209 |
Deposits are limited to ₹1.5 lakh a financial year in one account, and a PPF account has a 15-year lock-in.
How to use it
- 01Enter the amount you will deposit each year (₹500 to ₹1.5 lakh).
- 02Check the interest rate and enter the current one if it has changed.
- 03Pick the tenure (15 years or more, in blocks of 5) and read the balance.
₹1,50,000 a year · 7.1% · 15 years
Maturity ≈ ₹40,68,209 (you deposit ₹22,50,000)
About this tool
A PPF account runs for 15 years and can be extended in blocks of five. You can deposit between ₹500 and ₹1.5 lakh in a financial year. This calculator assumes one deposit each year before the 5th of April, so it earns for the full year, and compounds yearly: balance = (previous balance + deposit) × (1 + rate).
The government sets the PPF interest rate and revises it every quarter. The starting value on this page, 7.1%, was the notified rate in 2025 and has not been re-checked for later quarters, so look up the current rate and type it in. The same rate is applied for the whole tenure, which will not hold in practice. Interest is tax-free under current rules, which can change.
It runs in your browser and stores nothing. For comparison, try the FD calculator; the tax benefits are explained in the income tax calculator's 80C field.
हिंदी में मदद
PPF में हर साल जमा करने की रकम, ब्याज दर और अवधि डालकर परिपक्वता राशि का अनुमान लगाएँ। सरकार हर तिमाही दर बदलती है, इसलिए पेज की शुरुआती दर की जगह ताज़ा दर खुद डालें। जमा सीमा सालाना 1.5 लाख रुपये तक है।
Questions
What is the PPF interest rate now?
The government revises it every quarter. The calculator starts at 7.1%, the rate notified in 2025, but check the latest announcement and edit the rate field.
What is the maximum PPF deposit?
₹1.5 lakh per financial year, across all your deposits in one PPF account. The minimum is ₹500.
Why deposit before the 5th of the month?
PPF interest is calculated on the lowest balance between the 5th and the end of each month. A deposit made after the 5th earns nothing for that month.
Is PPF interest taxable?
Under current rules the interest and the maturity amount are exempt, and deposits qualify for the 80C deduction in the old tax regime. Rules can change.