Calculate your Public Provident Fund maturity amount with a year-by-year breakdown, partial withdrawal and loan eligibility markers, and 15/20/25/30 year extension scenarios. Pre-set at 7.1% current rate with EEE tax benefit notes.
Enter how much you plan to deposit each year (minimum ₹500, maximum ₹1,50,000 per financial year). The interest rate is pre-filled at 7.1% (current Q1 FY 2025-26 rate) but you can adjust it. Select your investment tenure from 15 to 30 years, including 5-year extension blocks.
The table shows each year's opening balance, deposit, interest earned, and closing balance. Years where partial withdrawal is permitted (from year 7 onwards) are marked with a withdrawal icon. Years where PPF loan facility is available (years 3-6) are also indicated.
The extension comparison section shows your maturity amount at 15, 20, 25, and 30 years side-by-side, illustrating the power of compounding for investors who extend beyond the initial lock-in. All returns are tax-free under the EEE (Exempt-Exempt-Exempt) regime.
The PPF interest rate for Q1 FY 2025-26 (April to June 2025) is 7.1% per annum, compounded annually. The rate is reviewed by the Ministry of Finance every quarter and has remained unchanged since April 2020. This calculator pre-fills 7.1% but allows you to enter a different rate to model future scenarios.
The formula is F = P × [((1+i)^n - 1)/i] × (1+i), where F is the maturity amount, P is the annual deposit amount, i is the interest rate, and n is the investment tenure in years. The (1+i) at the end reflects that deposits are made at the beginning of each year. For monthly deposits, a modified formula is used.
Partial withdrawals are permitted from the 7th financial year onwards (after completing 6 years). The maximum withdrawal is 50% of the balance at the end of the 4th year or the balance at the end of the year immediately preceding the year of withdrawal, whichever is lower. Only one withdrawal is permitted per year.
Yes — PPF loans are available from the 3rd to the 6th financial year. The maximum loan amount is 25% of the balance at the end of the 2nd preceding financial year. Loans must be repaid within 36 months. The interest rate on PPF loans is 1% above the PPF interest rate. After the 6th year, withdrawals replace loans.
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. Contributions up to ₹1,50,000 per year qualify for deduction under Section 80C of the Income Tax Act. The interest earned is completely exempt from income tax under Section 10(11). The maturity amount is also fully tax-exempt. This makes PPF one of the most tax-efficient investment options in India.
Yes — after the initial 15-year maturity period, you can extend your PPF account in blocks of 5 years. Extensions can be with or without contributions. If you extend with contributions, you must submit a Form H application to your bank or post office within one year of maturity. Without a formal extension request, the account continues to earn interest without contributions.
