Min ₹500 · Max ₹1,50,000 per year
Current rate: 7.1% (FY 2025-26). Adjust if rate changes.
What is PPF and Why Calculate It?
PPF Maturity Quick Reference (7.1% rate)
| Annual Investment | 15 years | 20 years (extended) | 25 years | 30 years |
|---|---|---|---|---|
| ₹12,000 (₹1K/mo) | ₹3,25,458 | ₹5,40,120 | ₹8,36,520 | ₹12,72,342 |
| ₹60,000 (₹5K/mo) | ₹16,27,290 | ₹27,00,600 | ₹41,82,600 | ₹63,61,710 |
| ₹1,50,000 (max) | ₹40,68,209 | ₹66,58,288 | ₹1,03,08,014 | ₹1,54,50,911 |
PPF vs NPS vs ELSS
| Feature | PPF | NPS | ELSS |
|---|---|---|---|
| Returns | 7.1% guaranteed | 10-12% market | 10-14% market |
| Tax on returns | 100% tax-free | 60% lump sum tax-free | 10% LTCG |
| Lock-in | 15 years | Till age 60 | 3 years |
| Max investment | ₹1.5L/year | No limit | No limit |
| Best for | Conservative investors | Retirement + extra tax | Wealth creation |
How is PPF Maturity Calculated?
Where F = Maturity amount, P = Annual investment, r = Annual interest rate (7.1%), n = Number of years.
Current PPF Rate
PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually. Interest is calculated on the lowest balance between 5th and last day of each month — so always invest before the 5th to earn interest for that month.
EEE Tax Benefit
For a 30% taxpayer investing ₹1.5L/year, the 80C deduction saves ₹46,800 in tax annually. Effective yield accounting for tax saved: approximately 10.1%.
Example Calculation
Frequently Asked Questions
At 7.1%, investing ₹1.5 lakh/year (maximum) for 15 years gives ₹40,68,209 — completely tax-free. Total invested: ₹22.5 lakh. Tax-free returns: ₹18.18 lakh.
No — ₹1.5 lakh/year is the maximum. Any amount above this does not earn interest.
You can withdraw fully, extend in 5-year blocks with contributions, or extend without contributions (still earns interest). Extending gives powerful compounding.
Yes for 20%+ tax bracket investors. PPF at 7.1% tax-free beats FD at 7% post-tax (only 4.88% at 30% bracket). Disadvantage: 15-year lock-in.
Yes — from 3rd to 6th year, you can borrow up to 25% of balance from 2 years prior at PPF rate + 1% = 8.1%. After 6th year, partial withdrawals are allowed.
Related Calculators
Disclaimer: Results are for informational and educational purposes only — not financial, tax, or legal advice. Tax slabs, rates (EPF, PPF, home loan), and rules shown are based on data available in 2025 and may change. Always verify with a qualified professional or official government sources before making financial decisions.