Safe options
PPF calculator
What a yearly PPF contribution builds over fifteen years.
₹
%
years
Matures to
₹40,68,209
about ₹40.68 lakh
55% of that is money you put in.
- You would put in
- ₹22,50,000
- Interest earned
- ₹18,18,209
- Maturity amount
- ₹40,68,209
This is arithmetic, not a forecast. The result applies numbers you chose. Real returns vary year to year, can be negative, and are never guaranteed. Unless stated otherwise the figure is before inflation and before tax.
How this calculation works
PPF is compounded annually. This calculator adds your yearly contribution, grows the whole balance at the declared rate, and repeats for the term.
What it leaves out
It assumes the rate stays constant. The PPF rate is declared by the government and has changed over the years. It also assumes you contribute the same amount every year.
Understanding the thing itself matters more than the number: Tax saving investments.
Common questions
What makes PPF different from an FD?
The interest and the maturity amount are tax free, so the effective return is higher than the headline rate suggests for anyone paying tax. The trade off is a fifteen year lock in.
How much can I put into PPF?
Up to Rs 1.5 lakh per financial year. Contributions also count towards the Rs 1.5 lakh deduction limit, which is Section 123 under the Income-tax Act 2025 and was Section 80C before it.
Is PPF worth it under the new tax regime?
The deduction is only available under the old regime, which is not the default. The tax free interest still stands regardless of regime, so PPF remains a reasonable safe holding, but one of its two advantages disappears if you file under the new regime.