PPF Calculator
Estimate the tax-free maturity value of a Public Provident Fund account over 15–35 years.
Government rate is notified quarterly. 7.1% is the Q1 FY 2026–27 figure. Tenure runs in 15-year blocks, extendable in 5-year steps.
What is a PPF Calculator?
A PPF calculator estimates the maturity corpus of your Public Provident Fund account based on your yearly deposits, the current interest rate, and the tenure. PPF is one of India's most popular long-term savings instruments due to its government backing and complete tax exemption (EEE status).
PPF interest rate in India (FY 2026–27)
The PPF interest rate for Q1 FY 2026–27 (April–June 2026) is 7.1% per annum, compounded annually. The rate is set by the Government of India and notified quarterly, though it has remained at 7.1% since April 2020. Interest is credited at the end of each financial year.
PPF EEE tax benefit
PPF enjoys Exempt-Exempt-Exempt (EEE) status under Indian tax law: contributions up to ₹1.5 lakh per year are deductible under Section 80C, the interest earned is fully exempt from income tax, and the maturity amount is completely tax-free. This makes PPF one of the most tax-efficient investments available to Indian residents.
PPF contribution limits
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per year in a PPF account. The deposit can be made as a lump sum or in up to 12 instalments per year. Deposits made before the 5th of a month earn interest for that month.
PPF vs FD vs SIP — which is best?
PPF is ideal for risk-averse investors seeking guaranteed, tax-free returns over the long term. FDs offer similar safety but interest is taxable. Equity SIPs have the potential for much higher returns (10–14% historically) but carry market risk. A balanced financial plan often uses all three: PPF for the tax-free debt portion, FDs for short-term safety, and SIPs for long-term wealth creation.