PPF Calculator
PPF maturity on yearly deposits.
- Deposits₹22.5 L
- Interest₹18.18 L
Approximate: assumes deposits before April 5 each year. PPF interest is revised quarterly by the government.
How it works
PPF compounds yearly on the lowest balance between the 5th and month-end — so depositing before April 5 each year earns the most. The account runs 15 years and can be extended in 5-year blocks.
Example
Depositing the full ₹1.5 lakh every year at 7.1% for 15 years matures to about ₹40.7 lakh — tax-free.
FAQs
What does EEE mean?
Exempt-Exempt-Exempt: deposits get 80C deduction, interest is tax-free, and maturity is tax-free. PPF is one of India's most tax-efficient products.
Can I withdraw before 15 years?
Partial withdrawals are allowed from year 7, and loans from year 3, within limits. Full closure is allowed only in specific hardship cases.
Does the PPF rate stay fixed?
No — the government revises it every quarter. 7.1% is the recent rate; your actual maturity will follow prevailing rates.