PPF Calculator — Estimate Your 15-Year PPF Maturity Amount — India 2026
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.
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.
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PPF Calculator
Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
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.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
How much should I invest monthly to become a crorepati?
At 12% expected returns, a monthly SIP of Rs 5,000 for 30 years grows to approximately Rs 1.76 crore. Increasing your SIP by 10% annually makes the corpus even larger. Start early, stay consistent.
Are investment returns taxable?
PPF returns are tax-free. Equity mutual fund LTCG above Rs 1.25 lakh/year is taxed at 12.5%. FD interest is taxed at your slab rate. NPS offers an additional Rs 50,000 deduction under 80CCD(1B).
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Last updated: March 2026