PPF Maturity & Tax-Exempt Return Calculator

Calculate 15 to 40-year PPF maturity returns at the current rate, with or without deposits during extension blocks.

📅 Rate current for: Oct–Dec 2026 quarter • 📐 Standard: Annual Compounding, 5th-Day Rule • 🔍 Verified by: KitnaPaisa

Annual Investment

₹

₹1.5 Lakh (Max 80C Limit)

Assumes the full deposit is made on or before April 5th — depositing later in the year earns less interest than shown here.

PPF Account Tenure

Can be extended in 5-year blocks indefinitely

Continue Contributions During Extension

If unchecked, deposits stop after 15 years but the accumulated balance keeps compounding — both extension modes are officially allowed under PPF rules.

Current PPF Rate (p.a)

🛡️ EEE Sovereign Guarantee: 100% Tax-Free

Principal is deductible under Sec 80C (Sec 123 under the Income Tax Act, 2025), accrued interest is tax-exempt, and final maturity is 0% tax.

Total Invested

₹0

Total Tax-Free Interest

₹0

Total Maturity Corpus
₹0

Principal vs Interest Ratio

Corpus Growth Trajectory

PPF Rate vs Other Government-Backed Schemes

Rates shown are current for the same quarter — PPF trades some yield for full liquidity flexibility and no lock-in on new deposits beyond year 15.

Yearly PPF Growth Schedule

Year	Opening Balance	Annual Deposit	Interest Earned	Closing Balance

Sensitivity: Maturity Value Across Rate & Tenure

Tenure \ Rate

Highlighted cell matches your current inputs (assumes contributions continue for the full tenure).

📐 Mathematical Methodology & Verification

Monthly Interest = Minimum Balance (between 5th and Month-End) × (Annual Rate ÷ 12)
Annual Compounding: Interest is calculated monthly but credited/compounded once per year
Extension without contributions: Balance = Balance × (1 + Annual Rate), repeated per year, with zero deposits added

Yearly-deposit assumption disclosed: this mode assumes your full annual deposit lands on or before April 5th, the earliest possible date, to earn a full year's interest — a later deposit reduces the actual return below this projection.
Terminology update: some official sources now reference this deduction under Section 123 of the Income Tax Act, 2025, which supersedes the older Section 80C — both terms currently appear in circulation, and this page uses the more familiar "80C" alongside a note of the newer section number.
Client-Side Execution: All calculations run locally in your browser. No financial data is transmitted.

Researched & Maintained by the KitnaPaisa Financial Team

KitnaPaisa provides free, transparent financial tools for Indian retail investors, adhering to standard compounding formulas and regulatory norms.

How the Public Provident Fund (PPF) Works

The Public Provident Fund (PPF) is a government-backed, long-term savings scheme in India designed to offer guaranteed compounding returns paired with statutory income tax exemptions.

Frequently Asked Questions

What is the current PPF interest rate? ▼

The PPF rate is 7.1% per annum for the July-September 2026 quarter, unchanged since April 2020. Rates are reviewed by the Finance Ministry every quarter, so always confirm the latest notification before relying on a long-range projection.

What is the 5th-day rule in PPF interest calculation? ▼

PPF interest is calculated monthly on the lowest balance between the close of the 5th day and the end of the month. Depositing on or before the 5th maximizes your interest for that month.

Can PPF be extended beyond 15 years, and do I have to keep depositing? ▼

Yes, after completing 15 years, a PPF account can be extended indefinitely in blocks of 5 years each. You can choose to extend with fresh contributions (continuing to deposit and earn interest) or without contributions (the existing balance keeps earning interest with no further deposits) — this calculator lets you model either.

What is the minimum and maximum deposit in PPF? ▼

The minimum deposit is ₹500 per financial year, while the maximum ceiling is ₹1,50,000 per financial year across all PPF accounts held in your name.