PPF Calculator
పీపీఎఫ్ కాలిక్యులేటర్
Public Provident Fund maturity and interest at a post office or bank, for 15 years or longer, with yearly deposits.
పోస్టాఫీసు లేదా బ్యాంకు పీపీఎఫ్ ఖాతా 15 ఏళ్లకు లేదా పొడిగిస్తే ఆపైన మెచ్యూరిటీ విలువ, వడ్డీ, ఏటా జమలతో.
Your result
Maturity value మెచ్యూరిటీ మొత్తం
40.68 lakh rupees
- Investedపెట్టిన మొత్తం
- ₹22,50,000
- Interestవడ్డీ
- ₹18,18,209
PPF interest and the maturity amount are tax-free. The account matures 15 full financial years after the one you open it in (opened in 2026-27, on 1 April 2042), so it can take 16 yearly deposits: this calculator counts one deposit for each year you choose. It can then be extended in blocks of 5 years.
Year by year ఏడాదివారీగా
- Invested
- Interest
Use the left and right arrow keys to read each year; the table below lists every value.
Show the year-by-year table
| Year | Invested | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹3,00,000 | ₹32,706 | ₹3,32,706 |
| 3 | ₹4,50,000 | ₹66,978 | ₹5,16,978 |
| 4 | ₹6,00,000 | ₹1,14,334 | ₹7,14,334 |
| 5 | ₹7,50,000 | ₹1,75,701 | ₹9,25,701 |
| 6 | ₹9,00,000 | ₹2,52,076 | ₹11,52,076 |
| 7 | ₹10,50,000 | ₹3,44,524 | ₹13,94,524 |
| 8 | ₹12,00,000 | ₹4,54,185 | ₹16,54,185 |
| 9 | ₹13,50,000 | ₹5,82,282 | ₹19,32,282 |
| 10 | ₹15,00,000 | ₹7,30,124 | ₹22,30,124 |
| 11 | ₹16,50,000 | ₹8,99,113 | ₹25,49,113 |
| 12 | ₹18,00,000 | ₹10,90,750 | ₹28,90,750 |
| 13 | ₹19,50,000 | ₹13,06,643 | ₹32,56,643 |
| 14 | ₹21,00,000 | ₹15,48,515 | ₹36,48,515 |
| 15 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
Last updated : PPF at 7.1% (October–December 2026). The government sets it every quarter: check the current rate at the post office or your bank.
How PPF interest is calculated
Interest is credited once a year, at the end of the financial year, and compounds. With a deposit at the start of each year:
Balance = (last year's balance + D) × (1 + r)
Example: ₹1,50,000 a year for 15 years at 7.1% is ₹22,50,000 invested and ₹40,68,209 at maturity: ₹18,18,209 of tax-free interest.
PPF interest rate, October–December 2026
7.1% a year, compounded yearly and tax-free. The government sets it every quarter, and the new rate applies to every PPF account, old or new, at the post office or a bank. The calculator opens at it; long-term figures assume it stays the same.
PPF maturity amount for ₹50,000, ₹1 lakh and ₹1.5 lakh a year
₹1,50,000 a year for 15 years at 7.1% matures at ₹40,68,209; extended once by 5 years, with the deposits going on, the account reaches ₹66,58,288.
| A year | 15 years | 20 years | 25 years |
|---|---|---|---|
| ₹50,000 | ₹13,56,070 | ₹22,19,429 | ₹34,36,005 |
| ₹1 lakh | ₹27,12,139 | ₹44,38,859 | ₹68,72,010 |
| ₹1.5 lakh | ₹40,68,209 | ₹66,58,288 | ₹1,03,08,015 |
"Keep it for" goes from 15 years to 50, in blocks of 5.
Good to know
- Deposit before 5 April: interest is worked out on the lowest balance between the 5th and the end of each month.
- You can put in ₹500 to ₹1.5 lakh a year, in one go or in parts. Depositing every month? Enter the year's total: the calculator counts it as in by 5 April, so monthly deposits mature a little lower.
- The rate is set by the government every quarter, so long-term figures are estimates.
- Saving for a daughter? Sukanya Samriddhi pays 8.2% now, against PPF's 7.1%.
Questions
What is the PPF maturity period: 15 years or 16?
The account matures 15 full financial years after the year you open it in: opened any time in 2026-27, it matures on 1 April 2042. A deposit in the opening year as well makes 16 deposits, each earning a year's interest when it is made by 5 April. The calculator counts 15 for a 15-year account, as most PPF calculators do; with the 16th, ₹1,50,000 a year at 7.1% comes to ₹45,17,702 (₹24,00,000 invested).
What happens after 15 years?
You can withdraw everything, or extend the account in blocks of five years, with or without new deposits. The calculator's longer terms assume you keep depositing.
Is PPF maturity taxable?
No. The deposits count under 80C in the old regime, and the interest and the maturity amount are tax-free in both regimes.
When can I withdraw from PPF?
Part of the balance, once a year, after five full financial years from the year you opened it; the whole of it at maturity.
పీపీఎఫ్ వడ్డీ రేటు, మెచ్యూరిటీ
పీపీఎఫ్ (పబ్లిక్ ప్రావిడెంట్ ఫండ్) ఖాతాపై ఇప్పుడు వడ్డీ 7.1% (October–December 2026). పోస్టాఫీసులో లేదా బ్యాంకులో ఏటా ₹500 నుంచి ₹1,50,000 వరకు జమ చేయవచ్చు. ఖాతా 15 ఏళ్లకు మెచ్యూర్ అవుతుంది, తర్వాత 5 ఏళ్ల చొప్పున పొడిగించుకోవచ్చు. ఏటా ₹1,50,000 చొప్పున 15 ఏళ్లు జమ చేస్తే ₹40,68,209 వస్తుంది; వడ్డీపై, మెచ్యూరిటీ మొత్తంపై పన్ను లేదు.
What next? తర్వాత ఏం చూడాలి
See all calculators →Results are estimates for planning, at the rates you enter. Check exact figures with your bank, fund house or tax adviser before you decide.
