PPF Calculator 2026 – Public Provident Fund
Estimate your PPF maturity corpus, compound interest earned, and Section 80C tax exemption. Backed by sovereign government guarantee. (Also searched as डाकघर पीपीएफ खाता (Dak Ghar PPF) and பொது வருங்கால வைப்பு நிதி).
PPF Investment Details
Account matures at 15 years. Extend in 5-year blocks with or without fresh contributions.
PPF completely eliminates tax drag on accumulated interest, outperforming taxable 5-Year Post Office Time Deposits across identical 15-year tenures.
Principal vs Interest Breakdown
Year-by-Year Growth Table
Compound Interest| Year | Deposit (₹) | Interest (₹) | Closing Balance (₹) |
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How Public Provident Fund (PPF) Works
The Public Provident Fund (PPF) is a popular long-term savings cum tax-saving scheme introduced by the National Savings Institute of the Ministry of Finance in 1968. It provides sovereign guarantee on safety of capital, competitive compound interest, and attractive tax benefits under Section 80C.
Key Benefits of PPF
- Exempt-Exempt-Exempt (EEE): The investment, accrued interest, and maturity amount are completely exempt from income tax.
- Sovereign Guarantee: Guaranteed by the Government of India, making it 100% risk-free.
- Loan Facility: Loans can be availed against the PPF balance from the 3rd financial year up to the 6th financial year.
- Partial Withdrawals: Allowed from the 7th financial year onward for specific emergency needs.
Maturity & Extension Rules
- Initial Lock-in: The initial lock-in period is 15 complete financial years.
- Extension in 5-Year Blocks: You can extend your PPF account indefinitely in blocks of 5 years with or without making additional deposits.
- Deposit Window: Minimum deposit is ₹500 and maximum is ₹1,50,000 per financial year.
- Best Time to Deposit: Deposit on or before the 5th of every month to earn interest for that entire calendar month.
Frequently Asked Questions: PPF (अक्सर पूछे जाने वाले सवाल)
PPF account me 15 saal me kitna paisa milta hai?
Agar aap PPF me har saal maximum ₹1,50,000 (yaani ₹12,500/mahina) 15 saal tak jama karte hain, toh kul deposit ₹22,50,000 hoga aur 7.1% interest par maturity par ₹40,68,209 milenge. Yeh poora amount 100% tax-free hota hai.
PPF me 1000 rupaye har mahine jama karne par kitna milega?
Har mahine ₹1,000 (saal ke ₹12,000) 15 saal tak invest karne par total deposit ₹1,80,000 banta hai aur 7.1% compounding ke sath 15 saal baad ₹3,25,457 ka maturity amount milta hai.
What is the current PPF interest rate in 2026?
The PPF interest rate for FY 2026-27 is fixed by the Ministry of Finance at 7.10% per annum, compounded annually with sovereign safety.
How is interest calculated on a PPF account monthly?
Interest is calculated on the lowest balance between the close of the 5th day and the end of each calendar month. Deposits made on or before the 5th earn interest for that full month.
What is the maturity amount for ₹1.5 Lakh yearly deposit in PPF?
Depositing the statutory cap of ₹1,50,000 every year for 15 years results in a total investment of ₹22,50,000, earning ₹18,18,209 in tax-free interest, yielding a guaranteed maturity corpus of ₹40,68,209.
Can PPF be extended after 15 years?
Yes, you can extend your PPF account indefinitely in blocks of 5 years, with or without making additional annual contributions, while continuing to earn tax-free compound interest.