PPF Calculator (15-year)
Calculate PPF maturity at the current 7.1% rate. Plan annual contributions of ₹500 to ₹1.5 lakh over the 15-year lock-in for tax-free, government-backed returns.
Maximum ₹1.5 lakh/year (Section 80C)
Current rate: 7.1% (Q1 FY 25-26, set by Govt of India)
Minimum 15 years; extendable in 5-year blocks.
Year-wise growth
Composition
PPF interest calculation
PPF interest is calculated on the minimum balance between the 5th and last day of every month, but credited annually on March 31. Current rate (Q1 FY 2025-26): 7.1% p.a.
EEE tax status: Investment qualifies for ₹1.5L deduction under Section 80C (Old regime), interest is tax-free, and maturity is tax-free.
Pro tip: Invest before the 5th of each month (or lump sum on April 1) to earn interest on the maximum possible balance.
Frequently asked questions
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