PPF Calculator
Calculate your PPF maturity value with annual compounding. Tax-free returns under Section 80C.
months (15.0 years)
Maturity Value
₹40.68 L
Total Invested
₹22.50 L
Est. Returns
₹18.18 L
Wealth Gain
80.8%
Breakdown
Invested: ₹22.50 L (55%)
Returns: ₹18.18 L (45%)
📊 Interactive Growth Analysis
Invested vs Returns
Invested: ₹22.50 L
Returns: ₹18.18 L
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (9.1%) | +5 Years (20yr) |
|---|---|---|---|
| Total Invested | ₹22.50 L | ₹22.50 L | ₹30.00 L |
| Maturity Value | ₹40.68 L | ₹48.43 L ↑ ₹7.75 L | ₹66.58 L ↑ ₹25.90 L |
| Est. Returns | ₹18.18 L | ₹25.93 L | ₹36.58 L |
💡 Understanding PPF
Public Provident Fund is a government-backed, tax-exempt savings scheme. It offers EEE (Exempt-Exempt-Exempt) status — contribution qualifies for 80C, interest is tax-free, and maturity is also tax-free.
PPF has a 15-year lock-in with extensions in 5-year blocks. The current rate is 7.1% (reviewed quarterly by government). You can invest ₹500 to ₹1,50,000 per year. Partial withdrawal is allowed from 7th year onwards.
₹1.5 Lakh/year in PPF at 7.1% for 15 years = ₹40.68 Lakhs — completely tax-free. This is one of the highest risk-free, tax-free returns available in India.