PaisaSamajh provides information for educational purposes only. We are not SEBI-registered advisors. Always consult a qualified financial professional before making investment decisions.

PPF Calculator — Public Provident Fund Maturity

PPF is India's most loved safe investment — zero risk, tax-free returns, government-backed guarantee. See how your deposits grow.

Yearly Investment
Interest Rate
Time Period
Your Deposits
Interest Earned
Total Deposits
Interest Earned
Maturity Value

Why PPF Remains India's Favourite Investment

PPF has been running since 1968 — over 55 years of unbroken service. The reason it survives is simple: it just works. You put money in, it grows at a guaranteed rate, and when it matures, you get everything back without paying a single rupee in tax. This EEE (Exempt-Exempt-Exempt) status is incredibly rare — your investment gets 80C deduction, interest is tax-free, and maturity amount is fully exempt.

At 7.1%, if you invest the maximum ₹1.5 lakh every year for 15 years, your total deposit of ₹22.5 lakh grows to approximately ₹40.68 lakh. That is ₹18.18 lakh in interest — completely tax-free. No mutual fund, FD, or any other instrument can guarantee that combination of safety and tax efficiency.

💡 The April 5th Rule: PPF interest is calculated on the minimum balance between the 5th and last day of each month. Deposit before April 5th to earn interest for that month. Depositing on April 6th means losing one full month of interest — over 15 years, this one-day difference can cost you ₹50,000+.
⚠️ Disclaimer: PPF interest rate is set quarterly by the government and may change. Currently 7.1% for Q1 FY 2026-27. Always verify at your bank or post office.

Read the full PPF scheme guide or compare with SSY Calculator (8.2% for daughters).