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PPF Calculator — Public Provident Fund maturity at 7.1%

Public Provident Fund is the government's 15-year savings scheme with tax-free interest. Enter your yearly deposit (₹500 to ₹1.5 lakh) to see the maturity value at the current 7.1% rate, over 15 years or longer with 5-year extensions.

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How PaisaCalc works
  1. Pick a calculatorTap a tab in the strip below (Loan EMI, SIP, FD and more). Tabs after the "India" label follow Indian rules, such as GST, PPF and Income Tax.
  2. Enter your numbersType in a box or drag a slider. The result updates as you go.
  3. Choose your currencyUse the Currency menu above. It changes the symbol and number format only; it does not convert amounts.
  4. Share a resultTap Share this result, WhatsApp or Copy link. The link opens the same calculator with your numbers filled in.

Everything is worked out in your browser; the numbers you type are not sent to us. Results are estimates, not financial advice.

Monthly EMI
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PrincipalInterest
Principal
Total interest
Total payable
Amortization schedule (year-wise)
YearPrincipalInterestBalance
Projected value
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InvestedReturns
Invested amount
Est. returns
Step-up raises your monthly amount each year — a powerful way to grow wealth as income rises.
Future value
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Invested
Est. returns

How much to invest monthly to reach a target corpus.

Monthly SIP needed
—
One-time lumpsum alternative
Total you'll invest (SIP)
Maturity value
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Principal
Interest earned

Recurring deposit — a fixed amount every month, compounded quarterly.

Maturity value
—
Total deposited
Interest earned

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Public Provident Fund — current rate 7.1% (Oct–Dec 2026), compounded yearly, tax-free; matures after 15 years, extendable in 5-year blocks.

Maturity value
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Total deposited
Interest earned (tax-free)

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Since 22 Sep 2025 the main GST rates are 5% and 18%, and 40% for luxury and sin goods. 12% and 28% are the earlier slabs, kept for older bills.
Total amount
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Base amount
GST (18%)
CGST + SGST

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Compare the New and Old regimes side by side for FY 2026-27 (tax year 2026-27). Enter deductions for the Old regime.

New regime
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Old regime
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You save by choosing the better one
New regime: ₹75,000 standard deduction; no tax up to ₹12,00,000 taxable (rebate, with marginal relief just above). Old regime: ₹50,000 standard deduction + your deductions; 5/20/30% slabs, rebate up to ₹5,00,000. Surcharge above ₹50 lakh and 4% cess included. Resident below 60; indicative, not tax advice.
You pay
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Discount

Systematic Withdrawal Plan — how long your corpus lasts while you draw a fixed amount each month.

Balance after period
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Total withdrawn
Corpus status

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Sukanya Samriddhi Yojana — deposit yearly for 15 years; matures in 21 years. Current rate 8.2% (Oct–Dec 2026), compounded annually, tax-free.

Maturity value (21 years)
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Total deposited (15 yrs)
Interest earned (tax-free)

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

National Pension System — corpus at 60; at least 20% (government staff: 40%) must buy an annuity that pays the pension.

Corpus at 60
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Lumpsum at 60 (up to 80%)
 of which tax-free (60% of corpus)
Annuity corpus (20%)
Est. monthly pension

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Gratuity = last wages (Basic + DA) × 15 ÷ 26 × years of service (Code on Social Security, 2020).

Gratuity payable
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Tax-free (limit ₹20 lakh)
Taxable above ₹20 lakh
Payable after 5 years of continuous service (1 year on a fixed-term contract). Count a final part-year of more than 6 months as a full year.

India tax & savings tool · always in ₹ (INR), whatever currency you pick above.

Estimate your monthly in-hand from annual CTC (New tax regime, standard assumptions).

Estimated monthly in-hand
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Annual in-hand
Employee PF
Income tax (New regime)
Professional tax
Indicative only, FY 2026-27 New regime. Assumes Basic = 50% of CTC, employer + employee PF at 12% of Basic up to the ₹15,000 wage ceiling (₹1,800/month each), gratuity provision 4.81% of Basic, ₹75,000 standard deduction, ₹2,500/yr professional tax. Your actual structure varies.

How big a loan you may qualify for, from your income and existing EMIs (FOIR method).

Eligible loan amount
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Max affordable EMI
Total amount
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Interest
Absolute return

What today's money will cost — and be worth — in the future.

Future cost of the same basket
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Today's amount will then be worth

How the PPF Calculator works

Balanceyear = (Balanceprevious + D) × (1 + r)

  • D — yearly deposit, ₹500 to ₹1,50,000 per financial year (the calculator caps it at ₹1,50,000)
  • r — PPF interest rate ÷ 100 — 7.1% a year for 1 October to 31 December 2026, unchanged since April 2020

PPF interest is worked out each month on the lowest balance between the 5th and the end of the month and credited once a year, so the calculator assumes the whole deposit is made by 5 April. The government resets the rate every quarter and it applies to the whole balance; the calculator holds the rate you enter for every year. Durations beyond 15 years assume you extend in 5-year blocks and keep depositing the same amount.

Sources

Rules and rates checked . Also in the PaisaCalc app, with the other India tax & savings tools.

Worked example

₹1.5 lakh deposited by 5 April every year at 7.1%:

Total deposited (15 years)15 × ₹1,50,000 = ₹22,50,000
Maturity value₹40,68,209
Interest earned (tax-free)₹18,18,209
Extended 5 years, same deposit₹66,58,288 after 20 years

If 7.1% held for all 15 years, the account would mature at about ₹40,68,209, of which ₹18,18,209 is tax-free interest.

Load these numbers into the calculator →

Frequently asked questions

What is the current PPF interest rate?

7.1% a year, compounded yearly, for the quarter 1 October to 31 December 2026. It has been 7.1% since April 2020. The government reviews it every quarter, and a new rate applies to the whole balance.

What is the minimum and maximum PPF deposit?

At least ₹500 and at most ₹1,50,000 in a financial year, in one or more instalments. Anything above ₹1,50,000 earns no interest and is refunded.

When does a PPF account mature?

After 15 complete financial years counted from the end of the year in which it was opened. An account opened in April 2026 therefore matures on 1 April 2042, so you can actually make 16 yearly deposits; the calculator counts 15, the more cautious figure.

Can I extend PPF after 15 years?

Yes, in blocks of 5 years, with or without fresh deposits, as many times as you like. Without deposits the balance keeps earning the prevailing rate. Set the duration to 20, 25 or more years to see the effect of extending with deposits.

Can I withdraw from PPF before maturity?

A loan is available from the 3rd to the 6th financial year, and one partial withdrawal a year is allowed from the 7th financial year. Premature closure is allowed only in limited cases.

Is PPF tax-free?

The interest and the maturity amount are tax-free. Deposits also qualify for the ₹1.5 lakh deduction (section 80C) under the old tax regime; the new regime gives no deduction for them.

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PaisaCalc results are arithmetic estimates from the inputs you enter and the formulas shown. They are not financial, investment or tax advice; rates, rules and your own situation vary, so check with your bank, fund house or a qualified adviser before deciding.