Calculate your PPF (Public Provident Fund) maturity amount with our free calculator. PPF is one of India’s safest investments — backed by the government, earning 7.1% tax-free interest, with EEE (Exempt-Exempt-Exempt) tax status. Your investment, interest, and maturity amount are all completely tax-free.
Our calculator shows year-by-year growth, total interest earned, tax savings under Section 80C, and a PPF vs Fixed Deposit comparison. At the 30% tax slab, PPF’s 7.1% tax-free return is equivalent to a 10.14% pre-tax FD rate — no FD comes close.
How to Use This Calculator
- Enter your annual PPF investment (₹500 to ₹1,50,000).
- Select investment frequency (yearly lump sum or monthly).
- Set the duration (minimum 15 years, extendable in 5-year blocks).
- Click “Calculate” to see maturity amount and year-by-year growth.
Frequently Asked Questions
What is the current PPF interest rate in 2025?
The PPF interest rate for Q1 FY 2025-26 is 7.1% per annum, compounded annually. The government reviews this rate every quarter. PPF has given between 7.1% and 8.7% over the last decade.
What is the maximum PPF investment limit?
The maximum annual PPF investment is ₹1,50,000 and minimum is ₹500. You can invest in lump sum or in installments (maximum 12 deposits per year). Investing early in the financial year (before April 5) maximizes interest.
Can I withdraw from PPF before maturity?
Partial withdrawal is allowed from the 7th year onwards — up to 50% of the balance at the end of the 4th year. Loans against PPF are available from the 3rd to 6th year. Full premature closure is only allowed in specific cases like serious illness or higher education.