Public Provident Fund (PPF) is one of India's safest and most tax-efficient long-term savings schemes, backed by the Government of India. The current PPF interest rate is 7.1% per annum for FY 2025-26, compounded annually. PPF falls under the EEE (Exempt-Exempt-Exempt) tax category — contributions a...
PPF is extendable in 5-year blocks after 15 years
Used to calculate annual tax savings under Section 80C (old regime)
MATURITY AMOUNT (TAX-FREE)
₹40.68 L
Interest: ₹18.18 L · Tax saved/yr: ₹45,000
MATURITY AMOUNT
₹40.68 L
TOTAL INTEREST
₹18.18 L
TOTAL DEPOSITED
₹22.50 L
TAX SAVED/YR
₹45,000
BALANCE GROWTH
✓ EEE — Fully tax-free (Section 80C + Section 10)
Total tax saved over 15 years: ₹6.75 L
Rate: 7.1% p.a. · FY 2025-26 · Ministry of Finance
Enter your annual PPF deposit (minimum ₹500, maximum ₹1,50,000 per financial year). The 7.1% interest rate for FY 2025-26 is pre-filled — you can adjust it to model different rate scenarios.
Enter the investment tenure — minimum 15 years. You can also model extensions in 5-year blocks (20, 25, 30 years) to see the power of continued compounding.
The calculator shows your maturity amount, total interest earned, total amount deposited, and annual tax savings under Section 80C at your marginal tax rate.
The year-by-year table shows your opening balance, deposit, interest earned, and closing balance for every year of the investment.
Anjali deposits ₹1,50,000 at the start of every financial year (April 1) in her PPF account at 7.1% p.a. for 15 years. Maturity amount = ₹1,50,000 × (1.071) × [((1.071)^15 − 1) / 0.071] = ₹40,68,209. Total deposited: ₹22,50,000. Total interest earned: ₹18,18,209. Tax savings at 30% bracket: ₹45,000/year = ₹6,75,000 over 15 years. If she extends for another 5 years (20 years total): ₹57,66,727.
| ANNUAL DEPOSIT | 15 YEARS | 20 YEARS | 25 YEARS | 30 YEARS |
|---|---|---|---|---|
| ₹500 | ₹13,561 | ₹22,194 | ₹34,360 | ₹51,503 |
| ₹12,000 | ₹3.25 L | ₹5.33 L | ₹8.25 L | ₹12.36 L |
| ₹50,000 | ₹13.56 L | ₹22.19 L | ₹34.36 L | ₹51.50 L |
| ₹1,00,000 | ₹27.12 L | ₹44.39 L | ₹68.72 L | ₹1.03 Cr |
| ₹1,50,000 | ₹40.68 L | ₹66.58 L | ₹1.03 Cr | ₹1.55 Cr |
Rate: 7.1% p.a. · FY 2025-26 · Ministry of Finance · Formula: M = P×(1+i)×[((1+i)^n−1)/i] · All amounts tax-free
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PPF rate: 7.1% p.a. · FY 2025-26 · Ministry of Finance · EEE: 80C deduction + tax-free interest + tax-free maturity · Formula: M = P×(1+i)×[((1+i)^n−1)/i] · Last updated: 25 April 2026 · Indicative projections only · Eagle-eyed accuracy for every calculation.