PPF Calculator
Estimate returns from the Public Provident Fund over a 15-year lock-in period.
Breakdown
Invested
₹15,00,000
Interest
₹12,12,139
Maturity
₹27,12,139
Schedule (15 rows)
| Year | Invested | Value |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,07,100 |
| 2 | ₹2,00,000 | ₹2,21,804 |
| 3 | ₹3,00,000 | ₹3,44,652 |
| 4 | ₹4,00,000 | ₹4,76,222 |
| 5 | ₹5,00,000 | ₹6,17,134 |
| 6 | ₹6,00,000 | ₹7,68,051 |
| 7 | ₹7,00,000 | ₹9,29,682 |
| 8 | ₹8,00,000 | ₹11,02,790 |
| 9 | ₹9,00,000 | ₹12,88,188 |
| 10 | ₹10,00,000 | ₹14,86,749 |
What is Public Provident Fund?
The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India, designed to encourage disciplined savings while offering tax benefits and guaranteed returns. It is widely used for goals such as retirement planning, wealth accumulation, and long-term financial security.
A PPF Calculator helps estimate the maturity value and total interest earned based on yearly contributions over the investment period.
How Public Provident Fund Works
A fixed amount is deposited every year (up to the allowed government limit). The interest rate is determined by the Government of India and may change periodically. Interest is compounded annually.
The scheme has a 15-year maturity period, but it can be extended in blocks of 5 years. Deposits are made until year N, but the final maturity is received in year N+1.
Annual Deposits
Fixed yearly contributions up to the government limit
Annual Compounding
Interest compounds once per year
15-Year Lock-In
Maturity after 15 years, extendable in 5-year blocks
EEE Tax Benefit
Deposits, interest, and maturity are all tax-free
Key Benefits
Government Backed
Guaranteed returns from the Government of India
Tax Free
EEE benefit — deposits, interest, and maturity all exempt
Section 80C
Annual tax deduction on deposits
Long-Term Growth
15-year compounding for substantial wealth creation