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Compare: Public Provident Fund vs Fixed Deposit (PPF vs FD)
Calculator Currency Select currency for display metrics
Deposit Frequency Choose your contribution timeline
₹
₹500 ₹75K ₹1.5L (Max)
Years
15 Years (Min) 30 Years 50 Years
%
5.0% 7.1% (Current Rate) 15.0%
Government Scheme rules

Public Provident Fund Rules

  • EEE Tax Exemption: Contributions up to ₹1.5 Lakhs are tax-free under Sec 80C. Interest and maturity are 100% tax-free.
  • Limits: Minimum annual deposit is ₹500. Maximum is ₹1,50,000 per financial year.
  • Lock-in: Scheme locks for 15 years. Partial withdrawals allowed from the 7th year onwards under special conditions.
  • Extensions: Extendable indefinitely in blocks of 5 years upon request.
Timeline Progression

Growth Schedule Breakdown

Period Starting Balance Yearly Deposits Interest Earned Ending Value Total Gain
PPF Returns Summary
Maturity Value

₹0

Total Investment ₹0
Interest Earned ₹0
Wealth Multiplier 0.00x
80C Tax Exemption Benefit EEE Status
Total Duration 15 Years
Annualized CAGR Rate 7.10%
Alternatives Comparison

PPF vs. FD vs. ELSS

Compare maturity value across key long-term options

Public Provident Fund (7.1% Tax-Free) ₹0
Government-backed. 100% risk-free. No tax on interest or maturity (EEE).
Fixed Deposit (6.5% Est. Taxable) ₹0
Safe. Interest earned is added to income and taxed at your slab (up to 30%+).
ELSS Mutual Funds (12% Est. Market) ₹0
Equity market exposure. High returns, but subject to market risk and 12.5% LTCG tax.
Purchasing Power

Inflation Impact Analysis

%
Nominal Maturity Value ₹0
Real Value (Inflation Adjusted) ₹0
Visual Progression

Fund Accumulation Curve

PPF Balance
Total Investment
Government Savings Guide

PPF Calculator – Public Provident Fund Guide

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.

What is a PPF Calculator?

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.).

Key Benefits of PPF Investing

  • 100% Tax-Free (EEE Status): Exempt contribution, exempt interest, exempt maturity.
  • Sovereign Security: Backed directly by the Government of India.
  • Flexible Extension: Extendable in 5-year blocks post 15-year maturity.

How PPF Compounding Works (Live Example)

Calculated for maximum annual limit ₹1,50,000 deposited before the 5th of every month at 7.1% interest for 15 years:

Annual Deposit ₹1,50,000
Interest Rate 7.10% p.a.
Lock-in Period 15 Years
Tax Status EEE Tax-Free
• Total Capital Invested: ₹1,50,000 × 15 Years = ₹22,50,000
• Compounded Tax-Free Interest: ₹18,18,209
• Final Maturity Corpus: ₹22,50,000 + ₹18,18,209 = ₹40,68,209
Invested: ₹22,50,000 Tax-Free Interest: ₹18,18,209 Maturity Value: ₹40,68,209
1

Enter Deposit

Input your yearly contribution (min ₹500, max ₹1,50,000).

2

Set Tenure

Select initial 15-year tenure or extend in 5-year blocks.

3

View Maturity

Review total tax-free returns and annual growth schedule.

EasyToolio

Premium Financial Calculator Report

Report: PPF Returns Analysis

Input parameters

Deposit Frequency: Yearly
Contribution Amount: ₹0
Interest Rate: 7.10%
Tenure Years: 15 Years

Calculation Results

Maturity Value: ₹0
Invested Capital: ₹0
Compounded Interest: ₹0

Growth Progression

Period Starting Value Yearly Deposits Interest Earned Ending Value Total Gain
EasyToolio Advanced PPF Financial Scheme Platform. No login required.

PPF is a government-backed long-term debt scheme. The interest rate is declared quarterly by the Ministry of Finance. Calculations are based on standard compounding rules. Standard licensing 2026.