Calculate PPF maturity value in India. Enter yearly deposit, interest rate and tenure to see maturity corpus, total deposited and interest earned instantly.
PPF compounds yearly: each year's balance = (balance + yearly deposit) × (1 + rate)Maturity value = final balance after the full tenureInterest earned = maturity value − total depositedPPF 1.5 lakh per year maturity is India's favourite safe-money query: at 7.1%, fifteen years of maximum deposits mature near 40.7 lakh, with 22.5 lakh of your money plus about 18.2 lakh tax-free interest. This calculator compounds yearly exactly like PPF accounts do.
The PPF vs SIP returns debate is really safety versus growth: PPF's EEE status (80C deduction, tax-free interest, tax-free maturity) is unmatched for guaranteed money, while equity SIPs target higher but uncertain returns. Many portfolios hold both, with PPF as the floor and SIPs as the engine.
Rate reality check: 7.1% has held since April 2020 but resets quarterly, so re-run this with any new rate. And note the extension rule, since after 15 years you can continue in 5-year blocks with or without fresh deposits.
You can deposit between ₹500 and ₹1,50,000 in a financial year. Only deposits up to ₹1.5 lakh earn interest and qualify for 80C deduction.
Yes. PPF enjoys EEE status: deposits get 80C deduction, yearly interest is tax-free, and the maturity amount is fully exempt from tax.
Yes. After the initial 15-year term you can extend in blocks of 5 years, with or without fresh deposits, and keep earning interest.
PPF currently pays 7.1% per annum, a rate the government revises every quarter. This calculator lets you change it — always cross-check the latest announced rate.
Yes. Loans are allowed from the 3rd to 6th year, and one partial withdrawal per year from the 7th year — both with conditions on the amount.
No. NRIs cannot open new PPF accounts. Those opened while resident can be continued only till maturity, without extensions.
Last updated: 14 Oct 2026, 00:13 IST