Project PPF maturity at 7.1 percent compounded annually over 15 years. Editable rate, Rs 500 to 1.5L yearly deposits with schedule offline.
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Quick answer: PPF Calculator India 7.1% — PPF 15-year maturity Free, no signup, runs in your browser. See below for the interactive tool, 4-step guide and FAQs.
₹500 – ₹1,50,000 per year
15–50 years, step 5
Total invested
₹22,50,000.00
Interest earned
₹18,18,209.22
| Year | Deposit | Interest | Balance |
|---|---|---|---|
| 1 | ₹1,50,000.00 | ₹10,650.00 | ₹1,60,650.00 |
| 2 | ₹1,50,000.00 | ₹22,056.15 | ₹3,32,706.15 |
| 3 | ₹1,50,000.00 | ₹34,272.14 | ₹5,16,978.29 |
| 4 | ₹1,50,000.00 | ₹47,355.46 | ₹7,14,333.75 |
| 5 | ₹1,50,000.00 | ₹61,367.70 | ₹9,25,701.44 |
| 6 | ₹1,50,000.00 | ₹76,374.80 | ₹11,52,076.24 |
| 7 | ₹1,50,000.00 | ₹92,447.41 | ₹13,94,523.66 |
| 8 | ₹1,50,000.00 | ₹1,09,661.18 | ₹16,54,184.84 |
| 9 | ₹1,50,000.00 | ₹1,28,097.12 | ₹19,32,281.96 |
| 10 | ₹1,50,000.00 | ₹1,47,842.02 | ₹22,30,123.98 |
| 11 | ₹1,50,000.00 | ₹1,68,988.80 | ₹25,49,112.78 |
| 12 | ₹1,50,000.00 | ₹1,91,637.01 | ₹28,90,749.79 |
| 13 | ₹1,50,000.00 | ₹2,15,893.23 | ₹32,56,643.02 |
| 14 | ₹1,50,000.00 | ₹2,41,871.65 | ₹36,48,514.68 |
| 15 | ₹1,50,000.00 | ₹2,69,694.54 | ₹40,68,209.22 |
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It uses 7.1% for Q2 FY 2026-27, matching the Finance Ministry notice, and the rate stays editable in the tool. PPF rates reset every quarter, so confirm the current notice before projecting. For example, a rate cut to 7% lowers 15-year maturity by tens of thousands. See /terms.
You can deposit Rs 500 minimum and Rs 1,50,000 maximum per year, with a 15-year lock-in and 5-year extension blocks after maturity. Partial withdrawals follow strict year rules. For example, Rs 1,50,000 yearly for 15 years builds about Rs 40.68 lakh at 7.1%. Confirm current rules and see /terms.
Deposit before 5 April and before the 5th each month, because PPF interest uses the lowest balance between the 5th and month-end at 7.1% yearly. For example, Rs 1,50,000 on 5 April 2026 earns full-year interest near Rs 10,650, while monthly Rs 12,500 deposits earn less in year one. Confirm Finance Ministry notices and see /terms.
Yes. Yearly PPF entries stay in this tab alone. Fifteen-year lock-in, rate and EEE math runs in-tab with no share and no login. For instance, Rs 1,50,000 each year holds local, runs offline, and wipes at close. Tax EEE tag is general info only. See /terms.
After fifteen years, prolong holdings in five-year blocks with or without fresh subscriptions via Form H declaration. Balances continue accruing notified interest, currently 7.1%, while withdrawals follow prescribed ceilings. Contributions qualify for 80C deduction, accruals escape annual tax, and maturity withdraws tax-free under EEE doctrine. Nominate heirs proactively. See /terms.
Sovereign provident accumulation compounds annually via FV = P multiplied by (((1+r) raised to n minus one) divided by r) multiplied by (1+r). Annual contribution P ranges Rs 500 toward Rs 1,50,000, notified rate r currently 7.1% for FY 2026-27, duration n spans fifteen fiscal cycles. Depositing Rs 1,50,000 each 5 April builds Rs 22,50,000 principal into maturity near Rs 40,68,209 with Rs 18,18,209 interest; Rs 1,00,000 yearly yields near Rs 27,12,139. Timing matrix underscores urgency: 5 April full-year credit | 6 April eleven-month credit | monthly installments diminished harvest. Interest accrues on minimum balance between fifth and month-end, rewarding early lump discipline. All ledgers compute locally without transmitting identity particulars. See /terms. Consult gazette notifications quarterly because administered yields fluctuate with sovereign bond benchmarks.
Specify yearly quantum between Rs 500 floor and Rs 1,50,000 ceiling, validate 7.1% editable rate, designate fifteen-year horizon 2026-2041, and optionally elect five-year perpetuation blocks with or without contributions. Framework presumes immutable coupon, punctual April remittances, zero borrowings, and no interim withdrawals; actual Finance Ministry resets quarterly, loans activate years three through six, and partial drawings permit after year seven under stringent multiples. Missing ceiling forfeits compounding headroom permanently because arrears cannot compensate elapsed cycles. Minor accounts, HUF ineligibility, and NRI restrictions impose further operational strictures. Extension matrix guides choices: closure withdraw corpus | continue without deposit earn interest | continue with deposit compound further. EEE privilege shelters 80C contributions, annual accretion, and terminal proceeds, unlike taxable deposits compared at /fd-calculator. See /terms.
Remit Rs 1,50,000 before 5 April 2026 to secure full-year interest near Rs 10,650 at 7.1%; deferral toward month-end sacrifices proportional earnings because calculation honors lowest fifth-to-last balance. Monthly Rs 12,500 installments aggregate identically yet harvest less during inaugural cycle. Upon 2041 maturity elect outright withdrawal, five-year extension without contributions, or extension with continued deposits via Form H. Contrast sovereign Rs 40.68 lakh tax-free harvest against Rs 1,00,000 yearly trajectory near Rs 27.12 lakh to calibrate aspirations. Recognize fifteen-year illiquidity, administered-rate variability, and ceiling constraints versus equity dynamism at /sip-calculator. Archive passbook scans, nominate successors, and align extensions with offspring education timelines. This primer informs rather than prescribes allocation. Scrutinize extant gazettes and consult licensed advisers. See /methodology for derivations and /terms for disclaimers.