PPF Calculator

Enter your yearly investment, interest rate and tenure to estimate the maturity value of your Public Provident Fund — with annual compounding — along with the total invested and total interest earned.

Maturity value
₹40,68,209
after 15 years
Total invested₹22,50,000
Total interest₹18,18,209
Maturity value₹40,68,209

Assumes a constant rate and one deposit at the start of each year, compounded annually. PPF is EEE — investment, interest and maturity are all tax-exempt. Not investment advice.

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Frequently asked

What is the PPF lock-in period?

A PPF account has a 15-year maturity from the end of the financial year in which it was opened. Partial withdrawals are allowed from the seventh year, and a loan facility is available in the early years, but the full balance matures only after 15 years.

Can I extend a PPF account after 15 years?

Yes. After maturity you can extend the account in blocks of 5 years any number of times, either with fresh contributions or without. The calculator lets you set a longer tenure to see how extensions grow the corpus.

How much can I invest in PPF each year?

The maximum is ₹1,50,000 per financial year, and the minimum is ₹500. Contributions above the ₹1.5 lakh cap are not accepted and do not earn interest.

Is PPF eligible for tax benefits?

Yes. PPF has EEE (exempt-exempt-exempt) status: contributions qualify for deduction under section 80C, the interest earned is tax-free, and the maturity amount is exempt from tax.

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