PPF Calculator
Calculate your Public Provident Fund (PPF) maturity value at the current 7.1% interest rate. See your 15-year corpus with year-by-year balance and total tax-free returns.
Enter PPF Details
Current PPF Rate
7.1% p.a.
PPF matures at 15 years and can be extended in 5-year blocks.
PPF Tax Benefits
PPF Maturity Summary
Total Invested
₹22.50 L
Interest Earned
₹18.18 L
Maturity Value
₹40.68 L
Tax-Free Wealth Created
₹40.68 L
100% exempt from income tax (EEE status)
Year-by-Year PPF Balance
| Year | Interest | Balance |
|---|---|---|
| Year 1 | ₹10,650 | ₹1.61 L |
| Year 2 | ₹32,706 | ₹3.33 L |
| Year 3 | ₹66,978 | ₹5.17 L |
| Year 4 | ₹1.14 L | ₹7.14 L |
| Year 5 | ₹1.76 L | ₹9.26 L |
| Year 6 | ₹2.52 L | ₹11.52 L |
| Year 7 | ₹3.45 L | ₹13.95 L |
| Year 8 | ₹4.54 L | ₹16.54 L |
| Year 9 | ₹5.82 L | ₹19.32 L |
| Year 10 | ₹7.30 L | ₹22.30 L |
| Year 11 | ₹8.99 L | ₹25.49 L |
| Year 12 | ₹10.91 L | ₹28.91 L |
| Year 13 | ₹13.07 L | ₹32.57 L |
| Year 14 | ₹15.49 L | ₹36.49 L |
| Year 15 | ₹18.18 L | ₹40.68 L |
PPF Interest Formula
Formula (Annual Compounding):
Balance (Year n) = Previous Balance + Yearly Deposit + Interest
Interest = (Previous Balance + Yearly Deposit) × Rate / 100
Current Rate: 7.1% per annum (compounded annually)
Lock-in: 15 years | Max Deposit: ₹1,50,000/yearWorked Example
Scenario: ₹1,50,000/year for 15 years at 7.1% p.a.
PPF Calculator — FAQs
The PPF interest rate for Q1 FY 2025-26 is 7.1% per annum, compounded annually. The rate is reviewed quarterly by the Government of India. It has remained at 7.1% since April 2020.
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