Calculator
PPF Calculator
See your Public Provident Fund maturity value at the current government-notified rate, over the 15-year lock-in or an extended tenure.
Maturity value: ₹41,52,021 at 7.1% (Jul-Sep 2026 (notified 30 Jun 2026))
Contribution Timing
Maturity Value
₹41,52,021
Total Invested
₹22,50,000
Interest Earned
₹19,02,021
At 7.1% p.a. — rate as of Jul-Sep 2026 (notified 30 Jun 2026)
7.1% per annum, notified by the Ministry of Finance for Jul-Sep 2026 (notified 30 Jun 2026). This is a government-fixed rate, reviewed every quarter — it can change, so check for a newer notification if you're reading this much later.
PPF has a 15-year lock-in from account opening. After that, you can either withdraw the full maturity amount or extend the account in blocks of 5 years, with or without further contributions.
No — PPF is an EEE (Exempt-Exempt-Exempt) instrument. Contributions qualify for Section 80C deduction, interest earned is tax-free, and the maturity amount is also fully tax-free.
How PPF interest is actually calculated
PPF interest is computed monthly on the lowest balance between the 5th and last day of the month, then credited to your account once a year. Depositing your full annual contribution on or before 5 April each year maximizes the interest you earn for the year.
Disclaimer: The PPF rate used here is sourced and dated in the calculator (see the interest-earned result card) — small savings rates are revised quarterly by the Ministry of Finance and can change without notice.
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