PPF Calculator
Estimate Public Provident Fund maturity. Default rate of 7.1% reflects the current Government of India quarterly notification. 100% browser-based — your data never leaves your device.
PPF Details
Lock-in is 15 years. After maturity, account can be extended in blocks of 5 years.
Invested
22.50 L
Interest
18.18 L
Maturity
40.68 L
Year-wise Breakdown
| Year | Invested | Interest | Balance |
|---|---|---|---|
| 1 | 1.50 L | 10,650 | 1.61 L |
| 2 | 3.00 L | 22,056 | 3.33 L |
| 3 | 4.50 L | 34,272 | 5.17 L |
| 4 | 6.00 L | 47,355 | 7.14 L |
| 5 | 7.50 L | 61,368 | 9.26 L |
| 6 | 9.00 L | 76,375 | 11.52 L |
| 7 | 10.50 L | 92,447 | 13.95 L |
| 8 | 12.00 L | 1.10 L | 16.54 L |
| 9 | 13.50 L | 1.28 L | 19.32 L |
| 10 | 15.00 L | 1.48 L | 22.30 L |
| 11 | 16.50 L | 1.69 L | 25.49 L |
| 12 | 18.00 L | 1.92 L | 28.91 L |
| 13 | 19.50 L | 2.16 L | 32.57 L |
| 14 | 21.00 L | 2.42 L | 36.49 L |
| 15 | 22.50 L | 2.70 L | 40.68 L |
Methodology & Sources
Maturity is computed by adding the yearly contribution at the start of each financial year and compounding the running balance once per year at the prevailing rate, i.e. balance = (balance + yearly) * (1 + rate). PPF interest credits annually on March 31.
Default rate of 7.1% p.a. is the small-savings rate notified by the Department of Economic Affairs, Ministry of Finance (NSI), unchanged in the most recent quarterly notification. Maximum yearly contribution is ₹1,50,000 per Section 80C / PPF Scheme 2019. PPF maturity and interest are tax-exempt (EEE).
Calculations are indicative. Verify the latest PPF rate at the official India Post / NSI notification before investing.