Tools

PPF Calculator

Public Provident Fund calculator with extension and withdrawal rules

Calculate your PPF maturity value after the 15-year lock-in period.

₹1,00,000
500
150000
7.1%
5
10
Monthly Equivalent

₹8,333 /month

Lock-in: 15 years
Total Tenure: 15 years
Tax Status: EEE (Exempt-Exempt-Exempt)
Min: ₹500 · Max: ₹1,50,000/year
Loan: Year 3–6 · Withdrawal: Year 7+

Maturity Amount

₹27,12,139

Total Deposited

₹15,00,000

Total Interest

₹12,12,139

Interest Ratio

80.8%

Tax Saved (80C)

₹4,50,000

Visual Analysis

Year-by-Year Breakdown

PeriodDepositYear InterestCum. InterestBalance
Year 1₹1,00,000₹7,100₹7,100₹1,07,100
Year 2₹1,00,000₹14,704₹21,804₹2,21,804
Year 3₹1,00,000₹22,848₹44,652₹3,44,652
Year 4₹1,00,000₹31,570₹76,222₹4,76,222
Year 5₹1,00,000₹40,912₹1,17,134₹6,17,134
Year 6₹1,00,000₹50,917₹1,68,051₹7,68,051
Year 7₹1,00,000₹61,632₹2,29,683₹9,29,683
Year 8₹1,00,000₹73,107₹3,02,790₹11,02,790
Year 9₹1,00,000₹85,398₹3,88,188₹12,88,188
Year 10₹1,00,000₹98,561₹4,86,749₹14,86,749
Year 11₹1,00,000₹1,12,659₹5,99,408₹16,99,408
Year 12₹1,00,000₹1,27,758₹7,27,166₹19,27,166
Year 13₹1,00,000₹1,43,929₹8,71,095₹21,71,095
Year 14₹1,00,000₹1,61,248₹10,32,343₹24,32,343
Year 15₹1,00,000₹1,79,796₹12,12,139₹27,12,139
Loan & Withdrawal Eligibility
Loan (Year 3–6)

Up to 25% of balance at end of 2nd preceding year

Year 3₹26,775
Year 4₹55,451
Year 5₹86,163
Year 6₹1,19,056
Withdrawal (Year 7+)

Up to 50% of balance at end of 4th preceding year

Year 7₹1,72,326
Year 8₹2,38,111
Year 9₹3,08,567
Year 10₹3,84,026
Year 11₹4,64,842
Tax Benefits (EEE)

Sec 80C Deduction/Year

₹1,00,000

Up to ₹1.5L/year

Interest Earned

₹12,12,139

100% Tax-Free

Maturity Amount

₹27,12,139

100% Tax-Free

PPF enjoys EEE (Exempt-Exempt-Exempt) status — deposits qualify for 80C deduction, interest and maturity are completely tax-free.

Growth Milestones

1st Lakh Interest

Year 5 • ₹1,17,134

33%

2.5L Interest

Year 8 • ₹3,02,790

53%

5L Interest

Year 11 • ₹5,99,408

73%

10L Interest

Year 14 • ₹10,32,343

93%

Loan Eligible

Year 3 • ₹44,652

20%

Withdrawal Eligible

Year 7 • ₹2,29,683

47%
Quick Facts

Total Deposited

₹15,00,000

Maturity

₹27,12,139

Interest Rate

7.1%

Multiplier

1.81×

Tenure

15 years

Tax Status

EEE

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