Triple Benefit
Exempt on Investment, Interest, and Maturity.
Principal
45%
Interest
55%
Invest before the 5th of every month to earn interest for the entire month. Missing this window costs you 30 days of growth.
Detailed breakdown of your PPF investment over 20 years.
Year | Opening Balance | Deposit | Interest | Closing Balance |
|---|---|---|---|---|
| Year 1 | ₹0 | ₹80,000 | +₹5,680 | ₹85,680 |
| Year 2 | ₹85,680 | ₹80,000 | +₹11,763 | ₹1,77,443 |
| Year 3 | ₹1,77,443 | ₹80,000 | +₹18,278 | ₹2,75,722 |
| Year 4 | ₹2,75,722 | ₹80,000 | +₹25,256 | ₹3,80,978 |
| Year 5 | ₹3,80,978 | ₹80,000 | +₹32,729 | ₹4,93,707 |
| Year 6 | ₹4,93,707 | ₹80,000 | +₹40,733 | ₹6,14,441 |
| Year 7 | ₹6,14,441 | ₹80,000 | +₹49,305 | ₹7,43,746 |
| Year 8 | ₹7,43,746 | ₹80,000 | +₹58,486 | ₹8,82,232 |
| Year 9 | ₹8,82,232 | ₹80,000 | +₹68,318 | ₹10,30,550 |
| Year 10 | ₹10,30,550 | ₹80,000 | +₹78,849 | ₹11,89,399 |
| Year 11 | ₹11,89,399 | ₹80,000 | +₹90,127 | ₹13,59,527 |
| Year 12 | ₹13,59,527 | ₹80,000 | +₹1,02,206 | ₹15,41,733 |
| Year 13 | ₹15,41,733 | ₹80,000 | +₹1,15,143 | ₹17,36,876 |
| Year 14 | ₹17,36,876 | ₹80,000 | +₹1,28,998 | ₹19,45,874 |
| Year 15 | ₹19,45,874 | ₹80,000 | +₹1,43,837 | ₹21,69,712 |
| Year 16 | ₹21,69,712 | ₹80,000 | +₹1,59,730 | ₹24,09,441 |
| Year 17 | ₹24,09,441 | ₹80,000 | +₹1,76,750 | ₹26,66,191 |
| Year 18 | ₹26,66,191 | ₹80,000 | +₹1,94,980 | ₹29,41,171 |
| Year 19 | ₹29,41,171 | ₹80,000 | +₹2,14,503 | ₹32,35,674 |
| Year 20 | ₹32,35,674 | ₹80,000 | +₹2,35,413 | ₹35,51,087 |
See how the maximum annual PPF contribution of ₹1,50,000 grows over 15 years at the current 7.1% interest rate.
Year | Annual Deposit | Interest Earned | Closing Balance |
|---|---|---|---|
| Year 1 | ₹1,50,000 | +₹10,650 | ₹1,60,650 |
| Year 2 | ₹1,50,000 | +₹22,056 | ₹3,32,706 |
| Year 3 | ₹1,50,000 | +₹34,262 | ₹5,16,968 |
| Year 4 | ₹1,50,000 | +₹47,255 | ₹7,14,223 |
| Year 5 | ₹1,50,000 | +₹61,160 | ₹9,25,383 |
| Year 6 | ₹1,50,000 | +₹75,952 | ₹11,51,335 |
| Year 7 | ₹1,50,000 | +₹91,695 | ₹13,93,030 |
| Year 8 | ₹1,50,000 | +₹1,08,455 | ₹16,51,485 |
| Year 9 | ₹1,50,000 | +₹1,26,305 | ₹19,27,790 |
| Year 10 | ₹1,50,000 | +₹1,45,323 | ₹22,23,113 |
| Year 11 | ₹1,50,000 | +₹1,65,591 | ₹25,38,704 |
| Year 12 | ₹1,50,000 | +₹1,87,198 | ₹28,75,902 |
| Year 13 | ₹1,50,000 | +₹2,10,189 | ₹32,36,091 |
| Year 14 | ₹1,50,000 | +₹2,34,712 | ₹36,20,803 |
| Year 15 | ₹1,50,000 | +₹2,60,827 | ₹40,31,630 |
15Y Total | ₹22,50,000 | ₹17,81,630 | ₹40,31,630 |
Calculations are based on the current 7.1% interest rate compounded annually. PPF interest rates are reviewed by the Government of India every quarter and are subject to market conditions.
To maximize your PPF interest, always invest between the 1st and 5th of every month. The interest is calculated on the lowest balance between the 5th and the end of the month. Missing this window by even a day means you lose out on returns for that entire month!
The PPF Calculator helps you estimate the maturity value of your Public Provident Fund account. PPF is India's most trusted long-term savings scheme — backed by the Government of India, offering 7.1% guaranteed returns and EEE tax status (Exempt-Exempt-Exempt: investment, interest, and maturity are all tax-free).
A maximum of ₹1.5 lakh can be invested per year. PPF has a 15-year lock-in with options for loans (year 3–6) and partial withdrawals (after year 7).
PPF interest is calculated on the minimum balance between the 5th and last day of each month and credited annually on March 31st. This means you should deposit before the 5th of each month to earn interest for that month. The formula compounds your deposits annually over 15 years.
F = P × [((1 + i)ⁿ - 1) / i]Where:
Rohan opens a PPF account at age 30 and deposits the maximum ₹1,50,000 per year for 15 years at 7.1% interest.
• Total Amount Invested: ₹22,50,000
• Total Interest Earned: ₹18,18,209 (completely tax-free!)
• Maturity Value at Age 45: ₹40,68,209
If Rohan extends for 5 more years (to age 50): Maturity jumps to ₹66,58,288 — adding ₹7.5L more in deposits but getting ₹25.9L more in returns due to compounding!
Compare PPF with popular 80C tax-saving instruments:
| Feature | PPF | ELSS Mutual Fund | Tax-Saving FD | NPS (Tier 1) |
|---|---|---|---|---|
| Lock-in Period | 15 Years | 3 Years | 5 Years | Till age 60 |
| Returns (Approx) | 7.1% Guaranteed | 12-16% (Market) | 6.5-7% | 9-12% (Market) |
| Tax on Returns | Fully Tax-Free (EEE) | 10% LTCG above ₹1.25L | Taxable as slab | Partial tax on withdrawal |
| Risk | Zero (Govt. backed) | High (equity) | Zero (DICGC insured) | Medium (mixed) |
| Loan Facility | Yes (3rd to 6th yr) | No | Yes (OD at bank) | No |
The figures provided by this calculator are estimates based on the inputs you provide and standard financial formulas. STOCKCALC.IN does not offer investment advice. Please consult a qualified financial advisor before making any investment decisions.
Verified Contributor
I verified this calculation against the **April 2026 Fiscal Cycle**. If you have questions about the logic, reach out via the Author Page.