Plan your Public Provident Fund savings. This PPF calculator shows how much your yearly deposits grow to over 15 years, or longer with 5-year extensions, at the current 7.1% interest rate, with a year-by-year table of deposits, interest and balance.
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How PPF interest works
PPF interest is compounded once a year. Interest for each month is calculated on the lowest balance between the 5th and the last day of the month, so depositing before 5 April earns interest for the whole year. You can deposit between ₹500 and ₹1,50,000 a year.
Frequently asked questions
What is the current PPF interest rate?
The PPF rate is 7.1% a year for October to December 2026. The government reviews small savings rates every quarter, so change the rate in the calculator if it moves.
Is PPF tax-free?
Yes. PPF interest and the maturity amount are tax-free. Under the old tax regime, deposits also qualify for a deduction under Section 80C, up to ₹1.5 lakh a year.
Can I extend PPF after 15 years?
Yes. After maturity you can extend the account in blocks of 5 years, with or without new deposits. Choose 20, 25 or more years in the calculator to see the effect.
Estimates assume a steady rate and deposits made by 5 April. Related: FD calculator · SIP calculator
PPF Returns Table: Maturity for Every Yearly Deposit
₹12,000 a year · ₹24,000 a year · ₹36,000 a year · ₹50,000 a year · ₹60,000 a year · ₹75,000 a year · ₹1 lakh a year · ₹1.2 lakh a year · ₹1.5 lakh a year · See the full table