Public Provident Fund (PPF) Calculator
Calculate 15-year PPF maturity values, cumulative interest, and sovereign EEE (Exempt-Exempt-Exempt) tax-free growth.
PPF Annual Deposit
PPF Rules & Government Backing:
15-Year mandatory lock-in period with sovereign Ministry of Finance guarantee. EEE (Exempt-Exempt-Exempt) tax category.
15-Year PPF Maturity Corpus
₹₹40,68,209.22
100% Tax-Free Interest & Maturity (EEE Status)
Total Invested (15 Yrs)
₹₹22,50,000.00
Total Interest Earned
₹₹18,18,209.22
PPF Compounding Model (Annual Deposit)
All calculations on InvestResearch India execute with 28-digit precision arithmetic via decimal.js, eliminating floating-point drift and adhering to statutory regulatory conventions.
Example: Maximum ₹1,50,000 Annual PPF Deposit for 15 Years @ 7.10% Rate
Annual Contribution: ₹1,50,000 (deposited before 5th of April each year) | Rate: 7.10% | Duration: 15 Years
1. Total Capital Deposited: 15 × ₹1,50,000 = ₹22,50,000 2. Cumulative Interest Accrued: ₹18,18,209 3. Final Maturity Corpus: ₹40,68,209 4. Net Tax Payable: ₹0 (100% Tax-Free under Section 10(11))
Statutory Tax Framework (Union Budget FY 2026–27)
PPF enjoys true EEE status: (1) Investment qualifies for Section 80C under the Old Regime, (2) Annual interest is 100% tax-free under Section 10(11), and (3) Entire maturity proceeds are 100% tax-free.
Frequently Asked Questions
What is the crucial 5th of the month rule for PPF deposits?
PPF interest is calculated on the minimum balance between the close of the 5th day and the end of the month. To earn interest for that full month, deposit your funds on or before the 5th. Depositing after the 5th forfeits interest for that month.
Can I extend my PPF account after the 15-year maturity?
Yes. A PPF account can be extended indefinitely in blocks of 5 years, either with fresh contributions or without fresh contributions (where the balance continues to earn prevailing interest tax-free).