PPF Calculator — Public Provident Fund Returns
Calculate your PPF maturity amount with year-by-year growth. Government-backed, 100% tax-free returns.
PPF Details
Investment Period(15 yrs minimum, extend in 5 yr blocks)
PPF Maturity Amount
₹40.68 L
After 15 years at 7.1% p.a.
Total Invested
₹22.50 L
Interest Earned
₹18.18 L
Returns %
81%
PPF Maturity
₹40.68 L
PPF Growth Over Years
Year-by-Year Breakdown
| Year | Invested (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|
| Year 1 | 1,50,000 | 10,650 | 1,60,650 |
| Year 2 | 1,50,000 | 22,056 | 3,32,706 |
| Year 3 | 1,50,000 | 34,272 | 5,16,978 |
| Year 4 | 1,50,000 | 47,355 | 7,14,334 |
| Year 5 | 1,50,000 | 61,368 | 9,25,701 |
| Year 6 | 1,50,000 | 76,375 | 11,52,076 |
| Year 7 | 1,50,000 | 92,447 | 13,94,524 |
| Year 8 | 1,50,000 | 1,09,661 | 16,54,185 |
| Year 9 | 1,50,000 | 1,28,097 | 19,32,282 |
| Year 10 | 1,50,000 | 1,47,842 | 22,30,124 |
| Year 11 | 1,50,000 | 1,68,989 | 25,49,113 |
| Year 12 | 1,50,000 | 1,91,637 | 28,90,750 |
| Year 13 | 1,50,000 | 2,15,893 | 32,56,643 |
| Year 14 | 1,50,000 | 2,41,872 | 36,48,515 |
| Year 15 | 1,50,000 | 2,69,695 | 40,68,209 |
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What is PPF (Public Provident Fund)?
PPF (Public Provident Fund) is a long-term, government-backed savings scheme in India that offers guaranteed, tax-free returns. Introduced in 1968, PPF is one of the safest investment instruments — backed by the sovereign guarantee of the Government of India. The scheme has a 15-year lock-in period, extendable in 5-year blocks. Interest is compounded annually and credited at the end of each financial year. With an EEE (Exempt-Exempt-Exempt) tax status, PPF is unmatched for long-term wealth creation for conservative investors — both investment, interest, and maturity are completely tax-free. Accounts can be opened at any nationalized bank or post office.
How to Use the PPF Calculator
- 1.Yearly Investment: Enter how much you plan to deposit each year (₹500 – ₹1,50,000).
- 2.Interest Rate: The default is 7.1% (current rate). Adjust if you want to model a rate change scenario.
- 3.Tenure: Select 15 years (minimum) or extend in 5-year blocks up to 50 years.
- 4.View Results: See total maturity amount, interest earned, and year-by-year breakdown table.
PPF vs Other Tax-Saving Instruments
| Feature | PPF | ELSS | Tax FD |
|---|---|---|---|
| Returns | 7.1% fixed | 12–15% (variable) | 7–8.5% fixed |
| Risk | Zero | Market risk | Zero |
| Lock-in | 15 years | 3 years | 5 years |
| Tax on returns | Tax-free | 10% LTCG | Taxable |