PPF Calculator
Project the maturity value of a Public Provident Fund account from your yearly deposit, the notified interest rate and the number of years you stay invested.
Researched by Mirza Seraj BaigFacts last checked against official sources on 7 September 2026₹500 minimum and ₹1,50,000 maximum per financial year.
Depositing before the 5th of a month earns that month's interest; after the 5th it does not.
Notified quarterly by the Ministry of Finance. Check the current quarter before relying on the result.
PPF runs for 15 years, extendable in blocks of 5.
Maturity value
₹40,68,209
≈ 40.68 lakh
- Total deposited
- ₹22,50,000
- Interest earned
- ₹18,18,209
- Tenure
- 15 years
Assumes the rate stays constant and every deposit lands before the 5th of the month. PPF rates are revised quarterly, so the actual figure will differ.
How this is calculated
This calculator follows the actual PPF rule rather than a shortcut: interest for each month is calculated at one-twelfth of the annual rate on the balance held between the 5th and the end of that month, and the year's interest is credited to the account at the end of the financial year. A lump sum deposited in April before the 5th earns for all twelve months; monthly deposits earn slightly less. PPF has a 15-year term, extendable in blocks of 5 years.
Frequently asked questions
What is the current PPF interest rate?
PPF interest is notified by the Ministry of Finance and reviewed every quarter. This calculator lets you enter the rate so your result reflects the current quarter — confirm it on the National Savings Institute or India Post website before relying on the figure.
How long does a PPF account run?
A PPF account has a term of 15 years, and can be extended in blocks of 5 years after maturity.
Is PPF interest tax free?
PPF is an EEE instrument — deposits qualify for deduction under Section 80C, and the interest and maturity amount are exempt from income tax.
When should I deposit into PPF to earn maximum interest?
Interest is calculated on the lowest balance between the close of the 5th day and the last day of each month, so depositing before the 5th of the month means that money earns interest for that month.
Why does this show a different figure from other PPF calculators?
Most calculators assume the full year's deposit is made in April, which earns interest for all twelve months. If you actually deposit monthly, later deposits earn for fewer months and the maturity value is a little lower. This calculator lets you choose which you do, so the figure matches your real pattern rather than a convenient assumption.
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