Calculate PPF maturity value, total interest earned, and total deposit for any yearly contribution and tenure. Default tenure 15 years at the current 7.1% rate — fully tax-free under Section 80C (EEE status).
PPF is a 15-year government-backed savings scheme in India and one of the most popular long-term tax-saving instruments. The current PPF interest rate is 7.1% per annum (revised quarterly by the government), compounded annually.
| Tenure | Total Invested | Total Interest | Maturity |
|---|---|---|---|
| 5 years | ₹7,50,000 | ~₹1,40,000 | ~₹8,90,000 |
| 10 years | ₹15,00,000 | ~₹6,75,000 | ~₹21,75,000 |
| 15 years | ₹22,50,000 | ~₹18,18,000 | ~₹40,68,000 |
| 20 years (extended) | ₹30,00,000 | ~₹36,58,000 | ~₹66,58,000 |
7.1% per annum (last revised). The government reviews the rate every quarter. Interest is compounded annually and credited at year-end.
Minimum ₹500/year, maximum ₹1,50,000/year. Up to 12 installments per year permitted.
Yes — EEE status. Contribution deductible under 80C (Old Regime), annual interest tax-free, maturity tax-free.
Yes, in 5-year blocks. Choose with or without further contributions.
Partial withdrawal from year 7, up to 50% of 4th-year balance. Full premature closure only in specific cases (illness, education, NRI status) after 5 years.
PPF is sovereign-safe with 7.1% tax-free, 15-year lock-in. ELSS is market-linked (~12% historical), 3-year lock-in, gains taxable beyond ₹1.25L LTCG. PPF for conservative; ELSS for higher long-term returns.
PPF + ELSS + NPS — there's a sweet spot for your age and income. CA Swapnil Soni can help you pick the optimal split.
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