Calculate your Public Provident Fund corpus after 15 years. PPF offers tax-free returns under EEE status — exempt at investment, interest, and maturity stages.
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Maximum ₹1,50,000 per year. Minimum ₹500.
Current government rate is 7.1% (revised quarterly).
Minimum 15 years. Can extend in 5-year blocks after maturity.
PPF compounds annually at the end of each financial year:
PPF has EEE tax status — contributions up to ₹1.5L are deductible under Section 80C, interest is tax-free, and maturity amount is fully tax-free.
The PPF interest rate is set by the Government of India and revised quarterly. It has been 7.1% since April 2020. Check the RBI or India Post website for the latest rate.
Partial withdrawal is allowed from Year 7 onwards — up to 50% of the balance at the end of Year 4 or Year preceding withdrawal, whichever is lower. Full premature closure is allowed after 5 years only for specific reasons.
For long-term tax-free saving, PPF is generally better — returns are tax-free and contributions get 80C deduction. FD interest is fully taxable. But FD offers more flexibility.
Only one PPF account per person. A second account opened is treated as irregular and earns no interest on excess deposits.