PPF Maturity Calculator India — Year-Wise Corpus Breakdown 2026
Public Provident Fund · 7.1% p.a. · EEE Tax-Free · Section 80C · 15-Year Lock-in
Seeing your PPF grow year by year makes the investment more real — and motivating. At ₹1.5L annual investment, your corpus crosses ₹5L in year 4, ₹10L in year 7, ₹20L in year 11, and reaches ₹40.68L at year 15. Extension beyond 15 years (in 5-year blocks) accelerates wealth even further. This calculator shows every milestone clearly.
Tax-Free
Tax-Free
Tax-Free
💰 PPF Maturity Calculator India
Govt revises quarterly. Current rate: 7.1% (FY2025-26)
Base 15 yrs. Extendable in 5-yr blocks (20, 25, 30 yrs)
Triple
Tax-Free
📅 Year-by-Year Breakdown
| Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance | Withdrawal Eligible |
|---|---|---|---|---|---|
| 1 | ₹0 | ₹50,000 | +₹3,550 | ₹53,550 | 🔒 Locked |
| 2 | ₹53,550 | ₹50,000 | +₹7,352 | ₹1,10,902 | 🔒 Locked |
| 3 | ₹1,10,902 | ₹50,000 | +₹11,424 | ₹1,72,326 | 🔒 Locked |
| 4 | ₹1,72,326 | ₹50,000 | +₹15,785 | ₹2,38,111 | 🔒 Locked |
| 5 | ₹2,38,111 | ₹50,000 | +₹20,456 | ₹3,08,567 | 🔒 Locked |
🧾 80C Tax Benefit Breakdown
📐 PPF Interest Calculation Formula
PPF Maturity Formula (Yearly Compounding):
📖 Example Calculation
Deposit: ₹1,00,000/year | Rate: 7.1% p.a. | Tenure: 15 years
💼 Real Life Use Cases
₹1.5L/yr × 30 yrs @ 7.1% → ₹1.54 Cr tax-free retirement corpus
₹50K/yr from child's birth → ₹27L ready when child turns 15
₹1L/yr × 15 yrs → ₹27L for property purchase, zero tax
30% slab: ₹1.5L deposit saves ₹46,800 tax/year + builds corpus
Frequently Asked Questions
What is the PPF maturity amount for ₹1 lakh per year?
At 7.1% for 15 years with ₹1L annual investment: maturity = ₹27.12L. Total invested = ₹15L. Interest earned = ₹12.12L (tax-free). At maximum ₹1.5L/year: maturity = ₹40.68L. At ₹500/month (₹6,000/year): maturity = ₹1.63L from ₹90K invested.
When can I extend PPF beyond 15 years?
Extension must be opted within 1 year of original maturity date (16th year). Two options: (1) Extension with contribution: continue depositing ₹500–₹1.5L/year, earn interest, get 80C benefit. (2) Extension without contribution: just let corpus earn interest, no fresh 80C benefit, can withdraw any amount each year. Choose option 1 if still in income tax slab.
How much can I withdraw from PPF before maturity?
Partial withdrawal allowed from year 7 onwards. Maximum = lower of 50% of balance at end of 4th year OR 50% of balance at end of preceding year. One withdrawal per year. Example: if PPF balance at end of year 4 was ₹7.2L, max withdrawal from year 7 = ₹3.6L. Withdrawal is tax-free.
What is the PPF maturity date calculation?
PPF matures at end of the financial year (March 31) in which 15 years are completed from the year of account opening. If opened on August 15, 2010 → financial year 2010-11 → matures on March 31, 2026 (end of FY 2025-26, i.e., 15 complete financial years). Not 15 calendar years from opening date.
📌 Key Takeaways
- ✅ PPF Maturity Calculator India 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