PPF Calculator

Calculate PPF maturity with extension options. Tax-free returns under EEE status.

PPF Details

Current PPF rate

Q1 2026 · Set by Govt. of India

7.1%

Yearly deposit₹1.50 L

₹500 min₹1.5L max

Monthly: ₹12,500 · Deposit before 5th for full month interest

Extensions after 15 years

Total tenure: 15 years

EEE Tax Status 🏆

Invest (80C deduction)Up to ₹1.5L/year

Earn (interest)Tax-free

Withdraw (maturity)Tax-free

Annual tax saving (30% slab)₹45,000

Liquidity features

Loan eligibility

Year 3-6 · 25% of Y-2 balance

₹8.14 L

Partial withdrawal

After year 7 · 50% of Y-4 balance

₹12.75 L

Maturity amount after 15 years

₹40.68 L

100% tax-free · Backed by Government of India

Total deposited

₹22.50 L

Interest earned

₹18.18 L

Wealth multiplier

1.81x

Deposited

₹22.50 L

15 years

Interest (tax-free)

₹18.18 L

45% of maturity

Tax saved (lifetime)

₹6.75 L

@ 30% slab

Deposited — ₹22.50 L

Tax-free interest — ₹18.18 L

All interest is completely tax-free 🎯

🔒

Lock-in period

15 years

📅

Min deposit/year

₹500

📈

Max deposit/year

₹1.5L

💰

Interest rate

7.1%

⏰

Extension block

5 years each

🏛️

Backed by

Govt. of India

Year-by-year growth

Deposited (15yr)Interest accrued (15yr)Hover for details

Year	Deposit	Interest	Balance
Year 1	₹1.50 L	₹10,650	₹1.61 L
Year 5	₹1.50 L	₹61,368	₹9.26 L
Year 10	₹1.50 L	₹1.48 L	₹22.30 L
Year 15MATURITY	₹1.50 L	₹2.70 L	₹40.68 L