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PPF Calculator

Calculate Your PPF Maturity Amount & Interest Earned

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PPF Calculator

What is a PPF Calculator?

A PPF (Public Provident Fund) Calculator helps you estimate the maturity amount and total interest you will earn by investing a fixed amount every year in a PPF account over the chosen tenure.

PPF Formula

The maturity value of a PPF investment is calculated using the annuity formula:

M = P × [{(1 + r)n − 1} ÷ r] × (1 + r)

Example Calculation

If you invest ₹50,000/year for 15 years at 7.1% interest:

PPF is one of India's safest long-term investments, backed by the Government of India and completely tax-free under Section 80C (EEE status).

Frequently Asked Questions

The current PPF interest rate is 7.1% per annum (as of Q1 FY 2024-25). The rate is reviewed and notified by the Government of India every quarter and may change.

PPF has a mandatory lock-in period of 15 years. After maturity, you can extend it in blocks of 5 years (with or without further contributions). Partial withdrawals are allowed from the 7th year onwards.

The maximum investment allowed in a PPF account is ₹1,50,000 per financial year. The minimum investment is ₹500 per year. Contributions can be made in lump sum or up to 12 instalments per year.