PPF Calculator
Estimate the maturity value of your PPF account based on yearly contributions.
Total Investment
₹22,50,000
Interest Earned
₹18,18,209
Maturity Value
₹40,68,209
Year-wise Balance
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 11 | ₹1,50,000 | ₹1,68,989 | ₹25,49,113 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 13 | ₹1,50,000 | ₹2,15,893 | ₹32,56,643 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
How to Use This Calculator
1. Enter the amount you plan to deposit into your PPF account each year (max ₹1,50,000).
2. Enter the current PPF interest rate (set quarterly by the Government of India).
3. Enter the number of years - the standard PPF lock-in is 15 years.
Formula & Explanation
PPF interest is compounded annually and credited at the end of each financial year:
Balance(y) = [Balance(y-1) + Deposit] × (1 + r)
Where r is the annual PPF interest rate, currently set by the Ministry of Finance each quarter.
Compare Loan & Investment Offers
Compare interest rates from leading Indian banks and NBFCs before you decide. (Affiliate partner offers coming soon.)
Frequently Asked Questions
The PPF interest rate is set by the Government of India every quarter. Enter the latest published rate for the most accurate estimate.
You can deposit a minimum of ₹500 and a maximum of ₹1,50,000 per financial year into a PPF account.
No, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status - contributions, interest earned, and maturity proceeds are all tax-free.
PPF has a mandatory 15-year lock-in period, extendable in blocks of 5 years. Partial withdrawals are allowed from the 7th year onwards.
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