PPF Calculator — Estimate Your 15-Year PPF Maturity Amount
Calculate PPF maturity amount and interest earned over 15 years. Understand the EEE tax benefit and how annual contributions grow with compound interest.
PPF is a government-backed long-term savings scheme that offers the rare triple tax benefit: your investment is tax-deductible under 80C the interest earned is tax-free and the maturity amount is completely tax-free. At the current rate of 7.1% per annum compounded annually PPF is one of the best risk-free investment options in India. The 15 year lock-in encourages disciplined saving and the corpus can be extended in 5-year blocks after maturity.
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Key Information
| Parameter | Details |
|---|---|
| Current PPF Rate | 7.1% per annum |
| Minimum Annual Deposit | Rs 500 |
| Maximum Annual Deposit | Rs 1.5 lakh |
| Lock-in Period | 15 years (extendable by 5 years) |
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Use Calculator NowFrequently Asked Questions
How much will I get if I invest 1.5 lakh per year in PPF?
If you invest the maximum Rs 1.5 lakh every year in PPF at 7.1% interest for the full 15-year tenure your maturity amount will be approximately Rs 40.68 lakh. Your total investment would be Rs 22.5 lakh and the interest earned would be about Rs 18.18 lakh completely tax-free.
Can I withdraw from PPF before maturity?
Partial withdrawal from PPF is allowed from the 7th financial year onwards. You can withdraw up to 50% of the balance at the end of the 4th year or the previous year whichever is lower. Complete premature closure is only allowed after 5 years under specific conditions like serious illness of account holder or spouse or children.
Is PPF better than ELSS for tax saving?
PPF offers guaranteed 7.1% tax-free returns with zero risk while ELSS has historically delivered 12-15% returns but with market risk. PPF has a 15-year lock-in while ELSS has only 3 years. For risk-averse investors or as a debt component of your portfolio PPF is excellent. For wealth creation ELSS offers higher potential returns.
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Last updated: 24 March 2026