PPF Calculator
Current rate 7.1% · annual compounding · EEE tax status.
Tenure
Current PPF rate (FY 2025-26): 7.1% p.a.
Maturity after 15 years
₹40,68,209
Total invested
₹22,50,000
Interest earned
₹18,18,209
| Year | Invested | Balance |
|---|---|---|
| 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 |
How it works
Each year your balance grows as: newBalance = (oldBalance + yearlyDeposit) × 1.071
Example: ₹1.5L/year for 15 years → total deposited ₹22.5L, maturity ≈ ₹40.68 lakh, interest earned ₹18.18 lakh (all tax-free).
FAQs
What is the PPF interest rate today?
The PPF rate is 7.1% p.a. for FY 2025–26 (set by the Ministry of Finance, reviewed quarterly). Interest is compounded annually.
Can I invest more than ₹1.5 lakh per year?
No. The maximum deposit is ₹1,50,000 per financial year (combining all accounts you hold). Exceeding this earns 0% interest on the excess.
Is PPF interest tax-free?
Yes — fully EEE (Exempt at contribution, accrual, withdrawal). Deposit qualifies under 80C, interest is tax-free, maturity amount is tax-free.
Can I extend PPF after 15 years?
Yes, in 5-year blocks, any number of times. You can extend with or without fresh contributions.
Can I withdraw early?
Partial withdrawal allowed from year 7 (up to 50% of the balance at end of year 4). Full premature closure allowed after 5 years in specific cases (higher education, medical, NRI status).