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.
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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)
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| 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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