Calculate the maturity value and interest earned on your Public Provident Fund (PPF) account, including Section 80C tax benefits.
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Compare maturity value across key long-term options
The Public Provident Fund (PPF) is a sovereign-backed long-term savings scheme in India offering sovereign security, guaranteed compounding interest, and complete EEE tax exemption under Section 80C.
An online utility that computes total compound interest accrued and final 15-year maturity values based on annual deposit contributions and prevailing government interest rates (7.1% p.a.).
Calculated for maximum annual limit ₹1,50,000 deposited before the 5th of every month at 7.1% interest for 15 years:
Input your yearly contribution (min ₹500, max ₹1,50,000).
Select initial 15-year tenure or extend in 5-year blocks.
Review total tax-free returns and annual growth schedule.
The Employee Provident Fund (EPF or PF) calculation formula computes monthly accumulation and annual interest crediting for organised sector employees in India under EPFO rules. Em...
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Report: PPF Returns Analysis
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PPF is one of India's most trusted long-term savings schemes. Since it is backed by the Government of India, it offers a high level of safety while helping individuals build wealth for retirement and future financial goals.
PPF enjoys EEE (Exempt-Exempt-Exempt) tax treatment. Eligible contributions qualify for tax deductions, interest earned is tax-free, and maturity proceeds are also exempt from income tax under current regulations.
PPF rewards patience. Regular annual contributions combined with compound growth can significantly increase the value of your investment over the 15-year tenure, making it a popular retirement planning tool.
Even modest yearly contributions can grow into a substantial corpus when invested consistently over many years. Making contributions early in the financial year can further maximize the interest earned.
Quick answers about how this tool works.
A PPF account has a mandatory lock-in period of 15 years from the end of the financial year in which the account was opened. After maturity, it can be extended in blocks of 5 years.
The minimum annual contribution is ₹500, while the maximum permitted contribution is ₹1.5 lakh per financial year. Contributions can be made in a lump sum or multiple installments.
No. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status in India. Contributions qualify for tax deductions under Section 80C, interest earned is tax-free, and maturity proceeds are also tax-free.
Partial withdrawals are allowed after specific eligibility conditions are met, generally from the seventh financial year onward. Loans against the PPF balance may also be available during the initial years.
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