PPF Calculator 2026 — Public Provident Fund India
Instantly calculate your PPF maturity amount, interest earned, and year-by-year growth. Plan contributions, extension periods, and Section 80C tax savings — updated for the current 7.1% p.a. rate.
Maturity, Monthly Plan, or Extension?
Whether you’re starting a new PPF account, planning monthly contributions, or considering an extension after 15 years, pick the tool below to get instant results.
PPF Maturity Calculator
Calculate your final amount after 15 years of PPF investing
Min ₹500, Max ₹1,50,000 per year
Minimum 15 years (lock-in)
Current FY 2025-26 rate is 7.1%. Adjust to see how future changes affect returns.
Used to estimate Section 80C tax savings (Old Regime only)
PPF Maturity Result
Total amount, interest earned, and year-by-year breakdown
Enter your yearly deposit and tenure, then click Calculate Maturity Amount.
Monthly PPF Planner
Find the ideal monthly deposit and see interest benefits of early deposits
Max ₹12,500/month to hit ₹1.5L yearly cap
Interest calculated on balance between 5th & month-end
Monthly Plan Result
Yearly total, interest impact, and timing benefit
Enter monthly deposit and timing, then click Calculate Monthly Plan.
PPF Extension Planner
Compare keeping your PPF vs withdrawing at maturity
Each extension is a fresh 5-year block
Continuing deposits grows corpus faster
Future rates may differ; conservative estimate
Extension Result
15-year maturity vs extended corpus comparison
Enter your PPF details, then click Compare Extension Options.
PPF Scheme Quick Reference
Key rules and limits for India’s Public Provident Fund. Data updated for FY 2025-26. Always verify against the latest Ministry of Finance notifications and your bank/post office.
| Parameter | Value | Notes |
|---|---|---|
| Current Interest Rate | 7.1% p.a. | FY 2025-26, compounded annually |
| Minimum Deposit / Year | ₹500 | Account becomes dormant if unpaid |
| Maximum Deposit / Year | ₹1,50,000 | Excess does not earn interest |
| Lock-in Period | 15 financial years | From end of FY in which account opened |
| Extension Block | 5 years | Can be renewed indefinitely |
| Tax Benefit (80C) | Up to ₹1.5L deduction | Old tax regime only |
| Interest Tax | Fully exempt | EEE status — not taxable |
| Maturity Tax | Fully exempt | No capital gains tax on withdrawal |
| Partial Withdrawal | From 7th FY | Up to 50% of balance (with conditions) |
| Loan Facility | 3rd to 6th FY | Up to 25% of balance |
| Interest Calculation | Monthly on min balance | Between 5th and last day of month |
| Minors Account | Allowed via guardian | Family cap of ₹1.5L applies |
PPF Calculator FAQ
Everything Indian investors ask about PPF, maturity, and tax benefits.
PPF (Public Provident Fund) is a long-term savings scheme backed by the Government of India. It has a 15-year lock-in period, offers tax-free returns under the EEE (Exempt-Exempt-Exempt) model, and provides deductions up to ₹1.5 lakh per year under Section 80C. The current interest rate for 2025-26 is 7.1% per annum, compounded annually.
The PPF interest rate for Q1 FY 2025-26 (April-June 2025) is 7.1% per annum, compounded annually. The rate is reviewed quarterly by the Ministry of Finance and can change. Interest is calculated monthly on the lowest balance between the 5th and the last day of each month, but credited at year-end.
The minimum annual investment in a PPF account is ₹500, and the maximum is ₹1,50,000 per financial year. You can deposit in lump sum or in up to 12 instalments per year. Contributions can be made via cash, cheque, online transfer, or standing instructions.
Full withdrawal is allowed only at maturity (after 15 years). Partial withdrawals are permitted from the 7th financial year onwards, limited to 50% of the balance at the end of the 4th preceding year or 50% of the balance at the end of the previous year — whichever is lower. Loans against PPF are available from the 3rd to the 6th financial year.
Yes. After 15 years, you can extend your PPF account in blocks of 5 years indefinitely. You have three options at maturity: (1) close and withdraw everything, (2) extend with fresh contributions (up to ₹1.5 lakh/year) and continue earning interest, or (3) extend without fresh contributions and earn interest only on existing balance with limited withdrawal flexibility.
Yes. PPF falls under the EEE (Exempt-Exempt-Exempt) tax category: (1) contributions up to ₹1.5 lakh are deductible under Section 80C, (2) the interest earned is completely tax-free, and (3) the maturity amount is fully exempt from tax. This makes PPF one of the most tax-efficient investment options in India.
PPF interest is calculated monthly on the lowest balance in your account between the 5th day of the month and the last day of the month. However, it is only credited to your account at the end of each financial year (31st March). Deposits made before the 5th of the month earn interest for that month — this is why early-month deposits are more beneficial.
Depositing monthly (especially before the 5th of each month) earns you more interest over time compared to a single year-end deposit. A ₹12,500 monthly deposit starting in April earns approximately ₹3,500–₹5,000 more interest over 15 years than depositing ₹1.5 lakh on 31st March — because each instalment earns interest for more months. This calculator shows the exact difference.