PPF Calculator

Public Provident Fund · 15-Year Maturity · Tax-Free EEE · Extension Calculator

Yearly Investment (₹)

Max ₹1,50,000 / year (Section 80C limit)

Interest Rate (% p.a.)

Current: 7.1% (revised quarterly)

Tenure (years)

15 yrs15 years50 yrs

Min 15 years. Extendable in 5-year blocks indefinitely.

Show Extension Comparison

See maturity if you extend 5 / 10 / 15 more years

Free PPF Calculator India 2026 — EEE Tax-Free Returns, Extension Calculator

SuccessMate's PPF Calculator computes Public Provident Fund maturity amount, year-wise growth, and exact tax savings for any investment amount and tenure. At the current 7.1% rate, investing the maximum ₹1.5 lakh per year for 15 years grows to over ₹40 lakh — completely tax-free. PPF falls under the EEE (Exempt-Exempt-Exempt) category: your investment qualifies for Section 80C deduction up to ₹1.5 lakh, interest is tax-free under Section 10(11), and maturity is fully exempt.

PPF Extension — The Power of 5-Year Blocks

After the initial 15-year maturity, you can extend PPF in 5-year blocks — either with fresh contributions or without (corpus continues earning 7.1% interest tax-free). Our extension comparison shows exactly how much more you earn if you extend 5, 10, or 15 extra years. Extending from 15 to 25 years with ₹1.5 lakh/year contributions can nearly triple your maturity amount. PPF is the best tax-free guaranteed return investment available in India — better than any FD post-tax.

Who Should Invest in PPF?

Salaried employees maximising Section 80C deductions. Self-employed professionals and business owners wanting tax-free long-term savings. Parents starting PPF for minor children (minor accounts allowed). NRIs in USA, UK, UAE, Canada who already had a PPF account before becoming NRI can continue until maturity. Retired government employees in India using PPF for tax-free interest income. Anyone comparing PPF vs NPS vs ELSS for Section 80C investment — our calculator helps you model all scenarios.

PPF Calculator – Public Provident Fund Maturity & Returns India

SuccessMate's PPF calculator computes maturity amount, year-wise balance and total interest earned over the 15-year lock-in period. PPF is among India's safest long-term investments — government-backed with EEE (Exempt-Exempt-Exempt) tax status. Many NRIs in the USA, UK, Canada, Australia, Germany and UAE ask resident family members to maintain their PPF accounts for tax-free compounded returns in India.

PPF Rules & Current Rate 2026

Interest rate: 7.1% p.a., compounded annually, reviewed quarterly by the government. Maximum annual deposit: ₹1.5 lakh. Minimum: ₹500/year. Lock-in: 15 years (extendable in 5-year blocks). Partial withdrawal from 7th year. Loan against PPF from year 3 to 6. Available at SBI, Post Office, HDFC, ICICI and all major nationalised banks. Note: NRIs cannot open new PPF accounts, but existing accounts can continue until maturity.

PPF vs FD vs Mutual Fund — Which Wins?

PPF at 7.1% (tax-free) vs FD at 7.5% (taxable — post-tax ≈ 5.25% at 30% slab) vs ELSS mutual fund (12%+ returns, market risk, 3-year lock-in). For conservative investors in the 30% tax bracket, PPF's effective post-tax return beats FD significantly. Compare with equivalent savings in USA (401k), UK (ISA), Canada (RRSP) or Australia (superannuation) — all have similar tax-advantaged long-term savings principles.

❓ Frequently Asked Questions

What is the PPF interest rate 2026? ▾

The PPF interest rate is 7.1% p.a. for 2025-26, compounded annually and credited on March 31 each year. The rate is reviewed quarterly by the Finance Ministry. It has been 7.1% since April 2020.

Can I invest more than ₹1.5 lakh in PPF? ▾

No. Maximum investment in PPF is ₹1.5 lakh per financial year per account. Amounts above this do not earn interest and are returned without any benefit. For a minor's PPF account, the combined limit across parent's and minor's accounts is ₹1.5 lakh.

Can I extend PPF after 15 years? ▾

Yes. After 15-year maturity, you can extend in 5-year blocks any number of times. Two options: (1) With contributions — continue adding and earning interest; (2) Without contributions — existing corpus earns 7.1% tax-free interest. Extension must be declared within 1 year of maturity.

Is PPF better than SIP? ▾

PPF gives guaranteed tax-free 7.1% returns with zero risk. SIP in equity mutual funds can give 10-15% but with market risk. For risk-free investors, PPF wins post-tax (FD at 7% effectively gives ~5% after 30% tax). For long-term wealth creation (15+ years), diversified equity SIP typically outperforms PPF.

Can I withdraw PPF before 15 years? ▾

Partial withdrawal is allowed from the 7th financial year. You can withdraw up to 50% of the balance at end of 4th year or preceding year (whichever is lower). Premature closure is allowed after 5 years only for medical emergencies or higher education, with a 1% interest penalty.