PPF Calculator
Annual investment → 15-year (or longer) tax-free maturity. PPF interest and maturity are fully tax-exempt (EEE).
Statutory limit ₹1.5L / year across all PPF accounts
Current declared rate: 7.1%. Government revises quarterly.
Minimum 15-year lock-in; extendable in 5-year blocks
For the 'in today's ₹' preview only
The main NetCorpus India planner rolls this into a 50-year retirement plan alongside your loans, EPF, taxes, trips, and life goals.
Public Provident Fund maturity calculator. PPF is one of the few EEE (Exempt-Exempt-Exempt) instruments left in India — contributions, interest, and maturity are all tax-free.
Interest compounds annually (calculated monthly on the lowest balance between the 5th and last day of the month, credited at year-end) at the government-declared rate, revised quarterly. The account has a mandatory 15-year lock-in, extendable indefinitely in blocks of 5 years, with partial withdrawal allowed from year 7.
The statutory maximum of ₹1.5L/year at the current declared rate of 7.1% grows to roughly ₹40.7L over 15 years — of which ₹22.5L is your own contribution and ₹18.2L is entirely tax-free interest.
What's the current PPF interest rate?▾
The government revises the rate quarterly. The calculator defaults to 7.1% (the recently declared rate) — check the latest EPFO/finance ministry notification before relying on it for a real 15-year plan, and adjust the input if it's changed.
Can I have more than one PPF account?▾
No — one PPF account per person (a separate account can be opened for a minor child under guardianship). The ₹1.5L/year cap applies across all your PPF accounts combined, not per account.
What happens after 15 years?▾
You can withdraw the full maturity amount tax-free, or extend the account in 5-year blocks — either continuing to contribute or leaving it untouched while it keeps earning interest.