Calculate your maturity amount and returns on your Public Provident Fund (PPF) investment.
PPF interest rates are set by the government and are subject to change. Current rate is ~7.1%.
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Total Maturity Value
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The Public Provident Fund (PPF) is one of the most powerful wealth-building and tax-saving tools available to Indian investors. Its primary advantage is its EEE status, allowing your investments to compound completely tax-free over a 15-year horizon.
While an interest rate of ~7.1% might seem lower than equity returns, the fact that PPF interest is tax-free makes a massive difference. For someone in the 30% tax bracket, a taxable fixed deposit would need to yield over 10% to match the post-tax returns of a PPF account! Over 15 or 30 years, this tax-free compounding creates a massive wealth snowball.
The most important trick to maximizing your PPF returns is timing your investments. PPF interest is calculated on the minimum balance between the 5th and the last day of every month. To ensure you earn interest for the current month, you must deposit your money on or before the 5th of the month.
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PPF is a popular long-term investment scheme backed by the Government of India. It offers guaranteed returns and comes with Exempt-Exempt-Exempt (EEE) tax benefits, meaning the investment, interest earned, and maturity amount are all completely tax-free.
PPF is a fixed-income instrument with guaranteed returns set by the government (currently ~7.1%), making it virtually risk-free. Equity Mutual Funds invest in the stock market and offer higher potential returns (10-12%+) but come with market risks and taxation on gains.
A PPF account has a strict lock-in period of 15 years. Partial withdrawals are allowed from the 7th financial year onwards under specific conditions. After 15 years, you can withdraw the entire maturity amount tax-free or extend the account in blocks of 5 years.
You can invest a maximum of ₹1.5 Lakhs per financial year in a PPF account. This entire amount is eligible for tax deduction under Section 80C of the Income Tax Act.