PPF Calculator: Public Provident Fund Maturity (FY 2025-26)

Calculate the PPF (Public Provident Fund) maturity value, year-wise interest, and Section 80C tax benefit @ 7.1% rate. Govt scheme, EEE tax status.

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PPF (Public Provident Fund) is the Government of India's most popular long-term savings scheme. Launched in 1968, 15-year lock-in, current rate 7.1% per annum (Q4 FY 2024-25). EEE (Exempt-Exempt-Exempt) tax status — deposit is tax-deductible up to Rs 1.5L under Section 80C, interest is tax-free, maturity is tax-free.

This free PPF Calculator gives you: (a) Total invested over tenure, (b) Total interest earned, (c) Maturity value, (d) Year-wise interest accrual table — simply enter the annual deposit (Rs 500 minimum to Rs 1.5L maximum), expected interest rate (default 7.1%, reviewed quarterly by the government), and tenure (default 15 years, extendable in 5-year blocks).

Important: Deposit timing matters! PPF interest is calculated on the "lowest balance between the 5th and end of month". Therefore, if you make the annual deposit before 5 April, you get a full year's interest. A late March deposit gets only 1 month's interest. In the calculator timing option, you can select April/March/Monthly.

PPF vs ELSS vs Tax-Saver FD: PPF is the safest (govt-backed, no risk), 7.1% guaranteed. ELSS is market-linked (12-13% avg long-term, but volatile). Tax-saver FD is ~7-7.5% but the interest is taxable. Allocation rule of thumb: PPF for the safety portion of the portfolio (40-60% of 80C limit), ELSS for growth (40-60%).

Use cases: Retirement corpus building, Child's education fund (15-year horizon is perfect for college), Daughter's marriage, Tax-saving investment, Emergency long-term fund.

PPF extension: After maturity, you can extend it in 5-year blocks with either the "with deposits" or "without deposits" option. At extension, the interest rate is the prevailing rate. A total period of 15 + 5 + 5 + ... = 25, 30, 35 years is possible.

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Open PPF Calculator (Free) — Public Provident Fund Interest 2025-26 →

Frequently Asked Questions (FAQ)

Where do you open a PPF account?
You can open a PPF account at most branches of SBI, ICICI, HDFC, and Axis Bank. It is also available at Post Offices. Online opening: 5-7 minutes via SBI / ICICI / HDFC net banking. Aadhaar and PAN are required for KYC. Minimum opening deposit is Rs 500.
When is PPF interest credited?
PPF interest is credited on 31 March each financial year, but is calculated daily (on the lowest balance between the 5th and end of month basis). The government revises the rate quarterly. Compounded annually, with monthly tracking visible in the passbook.
Can you withdraw money from PPF early?
Partial withdrawal starts from the 7th year (i.e., after 6 completed years). Maximum 50% of the balance at the end of the 4th preceding year or end of the immediate preceding year, whichever is lower. Loan facility is available from the 3rd to the 6th year (max 25% of balance, 2-year repayment).
What is the PPF Sec 80C limit?
PPF deposits are deductible up to Rs 1.5 lakh under Sec 80C. The 80C limit is shared across PPF + ELSS + LIC + EPF + home loan principal + tuition fee + NSC + Sukanya. Plan accordingly. PPF interest and maturity are also 100% tax-free under EEE.
PPF vs Sukanya Samriddhi — which is better?
Sukanya Samriddhi Yojana (SSY) is only for a girl child, current rate 8.2% (higher than PPF 7.1%). Matures 21 years from account opening. 15-year deposit period (PPF: 15-year full lock-in). SSY is first priority for a daughter; beyond that, PPF is for the parents' own goals.

City-wise availability

You can use this same tool for free in Mumbai, Delhi, Bangalore, Hyderabad, Chennai, Kolkata, Pune, Ahmedabad, Sirsa, and Mandi Dabwali. Seamless across mobile and desktop. You can also share the PDF directly on WhatsApp.

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