Entrovix AI

PPF Calculator

Public Provident Fund maturity over the fifteen-year term, with the annual compounding and ₹1.5 lakh cap the scheme actually runs on.

Runs in your browser — nothing is uploaded

Your deposit
each year
% per year

PPF has a 15-year lock-in and a ₹1.5 lakh annual cap. The rate is set by the government each quarter, so treat the figure above as today's rate held constant.

At maturity

Maturity value

₹40,68,209

after 15 years

You deposit

₹22,50,000

Interest earned

₹18,18,209

Why use it

Built to be genuinely useful

Correct scheme rules

Annual compounding, a ₹1.5 lakh yearly cap and the fifteen-year term, rather than a generic growth formula.

Year-by-year balance

See the balance at each anniversary and how the interest share grows.

Tax-free at every stage

Deposit, interest and maturity are all exempt — the figure shown is what you keep.

Nothing is uploaded

Everything runs in your browser, so your figures never reach a server.

How it works

Three steps

  1. 1

    Enter your yearly deposit, up to the ₹1.5 lakh cap.

  2. 2

    Set the current PPF rate.

  3. 3

    Read the maturity value at the end of the term.

What makes PPF different from every other deposit

PPF is exempt-exempt-exempt: the deposit is deductible under 80C, the interest is tax-free as it accrues, and the maturity amount is tax-free when you take it. Nothing else in the retail Indian market does all three.

That changes the comparison entirely. A 7.1% PPF return is equivalent to a fixed deposit paying about 10.1% for someone in the 30% bracket, because the FD interest is taxed every year and the PPF interest is not. Compared on headline rates alone, PPF looks unremarkable; compared after tax, it is difficult to beat for the debt portion of a portfolio.

The deposit date matters more than people realise

Interest is calculated on the lowest balance between the fifth and the last day of each month. Depositing before the 5th of April earns interest for that entire year; depositing on the 6th of March earns it for one month.

Over a fifteen-year term the difference between depositing in April each year and depositing in March runs to a meaningful sum on a full ₹1.5 lakh contribution. This calculator assumes an annual deposit at the start of the year, which is the optimal case.

Lock-in, extensions and partial withdrawals

The term is fifteen years, and it is a genuine lock-in — this is not money you can plan to reach. Partial withdrawal is allowed from the seventh year, capped at a proportion of the balance, and a loan facility exists between years three and six.

At maturity the account can be extended in five-year blocks, with or without further contributions. Extending without contributions keeps the balance earning tax-free interest, which is often the best use of the account once the term ends.

FAQ

Questions people ask

Related tools

More calculators

Available tools are linked; the rest are in development.

EMI CalculatorSIP CalculatorGST CalculatorFD CalculatorRD CalculatorIncome Tax CalculatorSalary CalculatorHRA CalculatorImage CompressorImage ResizerImage OptimizerJPG → PNG
All Calculators

Need a tool like this for your business?

We build internal tools, dashboards and automation that fit how your team works.

See Our Services