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PPF calculator
See what your Public Provident Fund will be worth after 15 years, or longer if you extend it, at today's 7.1% rate.
Year by year
| Year | Deposited | Interest so far | Balance |
|---|
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How PPF interest is worked out
PPF interest is worked out every month on the lowest balance between the 5th and the last day of the month, and added to your account once a year on 31 March. This calculator assumes you deposit your yearly amount by 5 April, which earns interest for the whole year.
Depositing ₹1,50,000 every year for 15 years at 7.1% puts in ₹22,50,000 and grows to ₹40,68,209. Extending once for another 5 years with deposits takes it to about ₹66,58,288.
Today's rate
The government reviews the PPF rate every quarter. It is 7.1% for October to December 2026, unchanged for many quarters. If it changes, enter the new rate above.
PPF rules worth knowing
- You can deposit from ₹500 to ₹1,50,000 in a financial year.
- The account runs for 15 full financial years. After that you can extend it in blocks of 5 years, with or without new deposits.
- Interest and the maturity amount are tax free. Deposits can be claimed under section 80C only if you choose the old tax regime.
- Partial withdrawals and loans are allowed after a few years, within limits. Check the current rules with your bank or post office.
An illustration only, not financial advice.
Questions
Is it better to deposit once a year or every month?
Depositing by 5 April earns interest on the full amount for the whole year. Monthly deposits are fine too, as long as each one is in by the 5th of the month.
Can I deposit more than ₹1,50,000?
No. Anything above ₹1,50,000 in a financial year earns no interest and is returned.
Are my numbers saved?
No. Everything stays in your browser.
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