Govt schemes
PPF Calculator
Tax-free maturity over the 15-year lock-in.
How to use this
PPF is a 15-year, government-backed account with tax-free returns (EEE) — a safe base for any portfolio. Invest before the 5th of the month to earn that month’s interest, and note the 15-year lock-in before you commit.
Maturity value
₹40.68L
Invested₹22.5L
Interest₹18.18L
Depositing ₹1,50,000/year at 7.1% for 15 years grows tax-free to ₹40,68,209. PPF has a 15-year lock-in.
Year-by-year breakdown
Your PPF balance at the end of each year
| Year | Invested | Value | Interest |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹1,60,650 | ₹10,650 |
| 2 | ₹3,00,000 | ₹3,32,706 | ₹32,706 |
| 3 | ₹4,50,000 | ₹5,16,978 | ₹66,978 |
| 4 | ₹6,00,000 | ₹7,14,334 | ₹1,14,334 |
| 5 | ₹7,50,000 | ₹9,25,701 | ₹1,75,701 |
| 6 | ₹9,00,000 | ₹11,52,076 | ₹2,52,076 |
| 7 | ₹10,50,000 | ₹13,94,524 | ₹3,44,524 |
| 8 | ₹12,00,000 | ₹16,54,185 | ₹4,54,185 |
| 9 | ₹13,50,000 | ₹19,32,282 | ₹5,82,282 |
| 10 | ₹15,00,000 | ₹22,30,124 | ₹7,30,124 |
| 11 | ₹16,50,000 | ₹25,49,113 | ₹8,99,113 |
| 12 | ₹18,00,000 | ₹28,90,750 | ₹10,90,750 |
| 13 | ₹19,50,000 | ₹32,56,643 | ₹13,06,643 |
| 14 | ₹21,00,000 | ₹36,48,515 | ₹15,48,515 |
| 15 | ₹22,50,000 | ₹40,68,209 | ₹18,18,209 |
Partner offer
Open a PPF account online
Tax-free returns under Section 80C.
Know the scheme: Public Provident Fund (PPF)
| Interest rate | 7.1% p.a., compounded annually (set quarterly by the government) |
| Tenure | 15 years, extendable in 5-year blocks |
| Deposit | ₹500 min – ₹1.5 lakh max per financial year |
| Who can open | Resident individuals; a guardian can open for a minor. No joint, HUF or new NRI accounts |
| Tax benefit | Section 80C on deposits; interest and maturity fully tax-free (EEE) |
| Where to open | Any post office or authorised bank (SBI, HDFC, ICICI, etc.) |
Deposits & interest
- Interest is calculated on the lowest balance between the 5th and the end of each month — deposit before the 5th to earn that month’s interest.
- Deposit any amount in multiples of ₹50, in up to any number of instalments a year.
- If you skip the ₹500 minimum in a year, the account goes dormant; revive it with ₹500 per missed year plus a ₹50 fee.
Loans & withdrawals
- Loan facility from the 3rd to 6th year — up to 25% of the balance two years prior, at 1% interest if repaid within 36 months.
- One partial withdrawal a year from the 7th year — up to 50% of the balance at the end of the 4th preceding year.
- Premature closure is allowed after 5 years for medical treatment, higher education or NRI status change, with a 1% interest penalty.
Maturity & extension
- At 15 years, withdraw everything tax-free, or extend in 5-year blocks — with or without fresh deposits.
- Extended without deposits: any amount can be withdrawn once a year.
- Nomination is available, and the account can be transferred between post offices and banks.
Frequently asked
What is the current PPF interest rate?
PPF pays 7.1% a year (compounded annually) for FY 2025-26, with a 15-year lock-in and fully tax-free maturity.
Is the PPF Calculator free to use?
Yes — every Arthly calculator is free, with no sign-up or app install required.
How accurate is the PPF Calculator?
It uses standard financial formulas and current FY 2025-26 rates. Results are estimates to help you plan, not personalised financial advice — confirm details with your bank, fund or the relevant department.