PPF Calculator
Public Provident Fund maturity, year by year.
PPF pays 7.1% a year, compounded annually and fully tax-free, with a 15-year lock-in and a ₹1.5 lakh annual cap. Depositing ₹1,50,000 every year for 15 years invests ₹22.5 lakh and matures at about ₹40.68 lakh, all of it exempt under the EEE regime.
Your Inputs
Maturity value
Total deposited
₹22,50,000
Tax-free interest
₹18,18,209
How this works
Interest is credited on the lowest balance
PPF interest is calculated monthly on the lowest balance between the 5th and the last day of the month, then credited on 31 March. Depositing the full ₹1.5 lakh before 5 April earns roughly ₹8,000 more over a year than depositing on 30 March.
Extension and withdrawal rules
After 15 years you can extend in 5-year blocks, with or without fresh deposits. Partial withdrawal is allowed from year 7, and a loan against the balance from year 3 to year 6. Premature closure is permitted only for specified medical or education needs, with a 1% interest penalty.
Frequently asked questions
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