💰 Finance & Math
PPF Calculator
Calculate your Public Provident Fund maturity amount, total interest earned, and year-by-year growth. Based on the current 7.1% p.a. interest rate.
₹500₹1,50,000
Current: 7.1% p.a. (Q1 FY2025-26)
Results
Total Invested
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Total Interest Earned
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Maturity Value
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Wealth Multiplier
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Frequently Asked Questions
What is the current PPF interest rate?
The current PPF interest rate is 7.1% per annum (Q1 FY2025-26), compounded annually. The government reviews this rate every quarter.
What is the maximum annual PPF investment?
The maximum annual deposit is ₹1,50,000 (₹1.5 lakh) per financial year. The minimum is ₹500/year. Deposits above ₹1.5L earn no interest and are not eligible for Section 80C.
How is PPF interest calculated?
PPF interest accrues on the minimum balance between the 5th and last day of each month, credited annually on 31 March. Deposit before the 5th to maximise monthly interest.
What is PPF's lock-in period?
PPF has a mandatory 15-year lock-in. After maturity, extend in 5-year blocks indefinitely. Partial withdrawals are allowed from the 7th financial year.
Is PPF completely tax-free?
Yes — PPF is EEE (Exempt-Exempt-Exempt). Contributions qualify for Section 80C (up to ₹1.5L), interest is tax-free, and maturity is fully tax-free.
If I invest ₹1.5 lakh/year at 7.1% for 15 years, what do I get?
You get a maturity value of approximately ₹40.68 lakh. Total invested: ₹22.5L. Total interest: ~₹18.18L. Wealth multiplier: ~1.81×.