PPF Maturity Calculator (India) — 15 Year, 7.1% Rate, Tax-Free

Calculate your Public Provident Fund maturity value. Default 7.1% interest rate, 15-year tenure, annual deposits up to ₹1.5L (Section 80C). See total maturity + tax-free interest earned.

PPF Maturity Calculator

Yearly deposit

₹

Tenure (years)

Interest rate (%)

Maturity value

₹40,68,209

Total invested

₹22,50,000

Tax-free interest earned

₹18,18,209

PPF is fully tax-free under EEE (deposit, interest and maturity all exempt). Up to ₹1.5L per year qualifies under Section 80C. Maximum tenure is 15 years, extendable in 5-year blocks.

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PPF maxes out 80C at ₹1.5L. Add ₹50K/yr to NPS for an extra Section 80CCD(1B) deduction.

About this tool

How PPF maturity is calculated

PPF compounds interest annually. Each year's deposit earns interest for the remaining tenure of the account. The future-value formula:

Maturity = P × ((1+r)^n − 1)/r × (1+r)

where P is the annual deposit, r is the rate (currently 7.1%) and n is the number of years.

Why PPF is the 80C king

PPF is fully tax-exempt under the EEE regime — your deposit is deductible under Section 80C (up to ₹1.5L/year), the interest is tax-free, and the maturity is tax-free. Combined with the sovereign guarantee, it's the safest 7%+ return in India.

What about NPS?

NPS is a separate bucket. It gives you an extra ₹50,000 deduction under Section 80CCD(1B), on top of your 80C cap. Tap the NPS tab to see what monthly contributions would compound to by age 60.

How to use the PPF Maturity Calculator (India)

Takes about a minute. No signup, no download, your data stays in your browser.

1
Open the tool. Scroll up to the PPF Maturity Calculator (India) above — it loads instantly in your browser, no install needed.
2
Enter your values. The fields come pre-filled with realistic defaults so you can see how it works — replace them with your own numbers.
3
Read the result. The output updates instantly. Copy or share it — nothing is uploaded to a server, everything stays on your device.

Frequently asked questions

Common questions about the PPF Maturity Calculator (India).

Is the PPF Maturity Calculator (India) free to use?

Yes. The PPF Maturity Calculator (India)on 7BusyBoss is completely free — no signup, no paywall, no usage cap.

Do I need to sign up to use the PPF Maturity Calculator (India)?

No. The PPF Maturity Calculator (India)works instantly in your browser — no account needed. Signing in with Google is optional and only unlocks features like saving favorites and higher AI build limits.

Does the PPF Maturity Calculator (India) work on mobile?

Yes. Every tool on 7BusyBoss is mobile-responsive and works in any modern browser — Chrome, Safari, Firefox, Edge — on phones, tablets and desktops.

Is my data safe when I use the PPF Maturity Calculator (India)?

Yes. The PPF Maturity Calculator (India)runs entirely in your browser — your inputs never leave your device unless the tool explicitly fetches public data (e.g. currency rates). We don't store the values you type.

PPF Maturity Calculator (India) — 15 Year, 7.1% Rate, Tax-Free