← Back to calculatorsPPF · EEE, sovereign-backed
PPF maturity, year by year.
Public Provident Fund — tax-free returns with sovereign guarantee. 15-year projection with annual contribution planning.
Rate: 7.1% p.a.Lock-in: 15 YearsTax: EEE (Exempt)Risk: Zero
Investment Details
₹1,50,000
Min ₹500/yr • Max ₹1.5L/yr • Monthly: ₹12,500
7.1%
Current govt rate: 7.1% (subject to quarterly revision)
15 years
Min 15 years, can extend in blocks of 5
₹
Enter existing balance if extending
0 yrs
For existing PPF accounts
Maturity Amount
₹40.68 L
Total Invested
₹22.50 L
Interest Earned
₹18.18 L
80.8% of investment
Tax Saved/yr (30%)
₹46,800
Under Section 80C
Wealth Multiplier
1.81x
Monthly Equiv.
₹12,500
Total Tax Saved
₹7.02 L
Tax Benefits Under Section 80C
Eligible Amount
₹1,50,000
of ₹1.5L limit under 80C
Tax Saved (30% slab)
₹46,800/yr
Lifetime: ₹7.02 L
Tax Saved (20% slab)
₹31,200/yr
Lifetime: ₹4.68 L
PPF enjoys EEE status — Investment (80C deduction), Interest earned, and Maturity amount are all completely tax-free. This makes PPF one of the most tax-efficient instruments in India.
Sovereign Guarantee
Backed by Govt of India — zero default risk
Loan Facility
Loan available from 3rd to 6th year, up to 25% of balance
📤
Partial Withdrawal
After 7th year, up to 50% of balance at end of 4th year
♾️
Extension in Blocks
Extend beyond 15 years in blocks of 5 years with/without deposits
Disclaimer: PPF interest rate is set by the Government of India and revised quarterly. The current rate of 7.1% p.a. is used as default. Actual returns may vary. This calculator is for illustrative purposes only. Consult a financial advisor for personalized advice.
Last updated: March 2026 · Assessment Year: AY 2026-27 (FY 2025-26)