Calculate your PPF maturity amount and interest earned with yearly breakdown. Plan your tax-free investment with current 7.1% interest rate. EEE benefit under Section 80C.
Current PPF rate: 7.1% (FY 2024-25)
PPF has a lock-in period of 15 years, extendable in blocks of 5 years. Maximum yearly deposit is Rs. 1.5 Lakh. Interest is compounded annually and is 100% tax-free under Section 80C.
Maturity Amount
40.68 L
+80.8% total returns
Total Invested
22.50 L
Interest Earned
18.18 L
Investment vs Interest
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | 1.50 L | ₹10,650 | 1.61 L |
| 2 | 1.50 L | ₹22,056 | 3.33 L |
| 3 | 1.50 L | ₹34,272 | 5.17 L |
| 4 | 1.50 L | ₹47,355 | 7.14 L |
| 5 | 1.50 L | ₹61,368 | 9.26 L |
About PPF: Public Provident Fund is a government-backed long-term savings scheme with guaranteed returns and tax benefits under EEE (Exempt-Exempt-Exempt) category. The interest rate is revised quarterly by the government. Partial withdrawals are allowed from the 7th year, and loans can be availed from the 3rd to 6th year.
Calculate PPF maturity amount instantly
See year-wise breakdown of deposits and interest
Adjustable yearly deposit (Rs 500 to Rs 1.5 lakh)
Flexible tenure from 15 to 50 years
Current 7.1% interest rate (FY 2024-25)
Visual breakdown of principal vs interest
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Effective pre-tax return of 10%+ for higher tax brackets.
Deduct up to Rs 1.5 lakh from taxable income yearly.
Interest compounds annually for maximum wealth creation.
Extend in 5-year blocks even after 15-year maturity.
Start with just Rs 500 per year - accessible to everyone.
| Feature | PPF | FD | ELSS |
|---|---|---|---|
| Returns (Approx) | 7.1% | 6-7% | 12-15%* |
| Tax on Returns | Exempt | Taxable | LTCG 10% |
| Lock-in Period | 15 years | 5 years (80C) | 3 years |
| Risk Level | Zero | Very Low | Medium-High |
| 80C Benefit |
*ELSS returns are market-linked and not guaranteed
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