PPF Calculator

PPF compounds annually on the balance. Enter your yearly contribution, the term, and the current rate — which the government resets every quarter, so it is a number you should check rather than one this page should remember.

What you enter

• Yearly deposit — The statutory ceiling is ₹1,50,000 per financial year.
• PPF interest rate — Reset quarterly by the Ministry of Finance. Check the current notification.
• Years — A PPF account runs 15 years, extendable in blocks of 5.

What it tells you

• Maturity value
• Interest earned
• Total deposited

How this is worked out

Each year the deposit is added and the whole balance grows by the annual rate.

What it cannot know

• The rate is not fixed for the life of the account — it is notified quarterly, so a single rate across fifteen years is a simplification.
• This does not model the ₹1,50,000 statutory cap, partial withdrawals, loans against the balance, or the extension rules.

Questions

Is PPF tax-free?

PPF is in the EEE category: contributions qualify under s.80C, the interest is exempt, and the maturity amount is exempt. This calculator shows the gross balance, which for PPF is also the net.

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Sansara is not a SEBI-registered investment adviser or research analyst. This page performs arithmetic on numbers you enter and does not recommend any security, scheme or course of action.