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PPF Calculator India 2026

Public Provident Fund · 7.1% p.a. · EEE Tax-Free · Section 80C · 15-Year Lock-in

📥Investment
Tax-Free

📈Interest
Tax-Free

💰Maturity
Tax-Free

EEE — Triple Tax Exempt

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Deposit Frequency

Annual Deposit (₹)

Min: ₹500/yr₹50,000Max: ₹1.5L/yr

Interest Rate — 7.1% p.a.

7.1%

6%Current 7.1%9%

Govt revises quarterly. Current rate: 7.1% (FY2025-26)

Investment Tenure

Base 15 yrs. Extendable in 5-yr blocks (20, 25, 30 yrs)

Your Tax Slab (for 80C savings)

📉 Show Inflation-Adjusted Value

PPF Maturity Formula (Yearly Compounding):

F = P × [((1+i)^n - 1) / i]

F = Maturity AmountP = Annual Depositi = Interest Rate / 100n = Number of Years

Deposit: ₹1,00,000/year | Rate: 7.1% p.a. | Tenure: 15 years

1 i = 7.1/100 = 0.071, n = 15

2 F = 1,00,000 × [((1.071)^15 - 1) / 0.071]

3 F = 1,00,000 × [(2.797 - 1) / 0.071]

4 F ≈ ₹27,12,139 | Invested: ₹15L | Interest: ₹12.12L

👴Retirement Planning

₹1.5L/yr × 30 yrs @ 7.1% → ₹1.54 Cr tax-free retirement corpus

🎓Child Education

₹50K/yr from child's birth → ₹27L ready when child turns 15

🏠Home Down Payment

₹1L/yr × 15 yrs → ₹27L for property purchase, zero tax

💼Tax Saving + Wealth

30% slab: ₹1.5L deposit saves ₹46,800 tax/year + builds corpus

What is the current PPF interest rate 2025?›

What is the PPF withdrawal limit?›

Can I deposit more than ₹1.5 lakh in PPF?›

What is EEE status in PPF?›

What happens after 15 years in PPF?›

Can I take a loan against PPF?›

Is PPF better than FD for tax saving?›

How is PPF interest calculated?›

✅ helps compute exact maturity with year-wise interest breakup
✅ Current PPF interest rate is 7.1% p.a. for FY2025-26, compounded annually
✅ PPF has EEE status — investment, interest, and maturity all completely tax-free
✅ Max deposit ₹1.5 lakh per year, minimum ₹500. Up to 12 instalments per year
✅ Partial withdrawal allowed from Year 6 onwards, once per year (max 50%)
✅ PPF account can be extended in 5-year blocks after 15 years
✅ Loan against PPF available from Year 3 to 6 at PPF rate + 1%
✅ Sovereign guarantee — zero default risk, backed by Government of India