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PPF Calculator — Public Provident Fund Maturity Value
Calculate PPF maturity amount and tax-free interest for 15 years or more with extensions. Uses the current 7.1% PPF rate by default.
Maturity value (tax-free)
₹40,68,209
- Total invested
- ₹22,50,000
- Total interest
- ₹18,18,209
How PPF interest works
PPF interest is calculated monthly on the lowest balance between the 5th and the last day of each month, and credited once a year on 31 March. The calculator assumes you deposit your yearly amount before 5 April, which earns the maximum interest:
Balance at year end = (previous balance + yearly deposit) × (1 + rate)
Key PPF rules
- Deposit between ₹500 and ₹1,50,000 every financial year.
- Lock-in of 15 years; extend in blocks of 5 years, with or without fresh deposits.
- Interest and maturity are completely tax-free; deposits qualify for the ₹1.5 lakh deduction under the old regime.
- The rate is set by the Government every quarter — 7.1% at the time of writing.
Frequently asked questions
What is the current PPF interest rate?
The PPF rate has been 7.1% per year for several quarters. The Government reviews it every quarter, so check the latest rate on the India Post or your bank's website.
Can I withdraw from PPF before 15 years?
Partial withdrawals are allowed from the 7th financial year, and premature closure is allowed after 5 years for specific reasons such as medical treatment or higher education, with a 1% interest penalty.