Calculate your Public Provident Fund maturity amount with year-by-year growth projection
Current PPF rate: 7.1% p.a. (Q1 FY 2025-26)
PPF Key Benefits
Maturity Amount
₹40,68,209
Total Invested
₹22,50,000
Interest Earned
₹18,18,209
The Public Provident Fund (PPF) is one of India's most popular long-term savings instruments, backed by the Government of India. It was introduced in 1968 with the primary objective of mobilising small savings and offering an investment with reasonable returns combined with income tax benefits.
PPF is particularly attractive because it carries the highest level of safety (sovereign guarantee), offers competitive tax-free returns, and qualifies for Section 80C deduction. You can open a PPF account at any authorised bank or post office branch.
| Period | PPF Rate |
|---|---|
| Q1 FY 2025-26 (Apr–Jun 2025) | 7.1% |
| FY 2023-24 | 7.1% |
| FY 2022-23 | 7.1% |
| FY 2021-22 (Apr–Jun) | 7.1% |
| FY 2020-21 | 7.1% |
| FY 2019-20 | 7.9%–8.0% |
The current PPF interest rate is 7.1% per annum (Q1 FY 2025-26), compounded annually. The Government of India reviews this rate every quarter, though it has remained stable at 7.1% since April 2020.
You can invest a minimum of ₹500 and a maximum of ₹1.5 lakh per year in a PPF account. Investments exceeding ₹1.5 lakh do not earn any interest and are not eligible for Section 80C deduction.
PPF has a 15-year lock-in period. Partial withdrawals are permitted from the 7th year onwards (up to 50% of the balance at the end of 4th year or the preceding year). After 15 years, you can extend in 5-year blocks with or without contributions.
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. The investment is deductible under Section 80C, the interest earned is tax-free, and the maturity amount is also completely tax-free.