PPF Calculator
Calculate your PPF maturity amount and tax-free interest earned.
Maximum allowed: ₹1,50,000 per year
PPF rate: 7.1% — Rate set by Government of India, reviewed quarterly. Last updated: Q1 2025.
Results
Maturity amount (tax-free)
₹40.68 L
Total interest earned
₹18.18 L
Total deposited
₹22.50 L
Effective annual yield
4.03%
Year-by-year balance
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 6 | ₹1,50,000 | ₹76,375 | ₹11,52,076 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 8 | ₹1,50,000 | ₹1,09,661 | ₹16,54,185 |
| 9 | ₹1,50,000 | ₹1,28,097 | ₹19,32,282 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
Track your PPF balance alongside everything else
Add your PPF as an asset in FlowTrack and see it as part of your total net worth. Update it when you deposit — no bank linking needed.
Try FlowTrack free →This is an estimate for planning purposes only and does not constitute financial advice.
How does the Public Provident Fund work?
The Public Provident Fund (PPF) is a government-backed savings scheme in India offering guaranteed, tax-free returns. It has a minimum lock-in period of 15 years and allows annual deposits between ₹500 and ₹1,50,000. Interest is compounded annually and the maturity proceeds are entirely exempt from income tax under Section 80C.
PPF is an EEE (Exempt-Exempt-Exempt) instrument — your contribution qualifies for tax deduction under Section 80C, the interest earned is tax-free, and the maturity amount is also tax-free. This makes PPF one of the most tax-efficient long-term savings instruments available to Indian residents.
This calculator shows you the maturity value of your PPF account based on your annual contribution and remaining tenure. The year-by-year breakdown helps you visualise how compounding grows your balance over time, and the effective yield shows you the real annualised return on your total deposits.