PPF Contribution Planner

Plan your PPF (Public Provident Fund) contributions to see the maturity amount you'll build up over the standard 15-year term.

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Enter your annual PPF contribution and tenure to project your maturity amount, compounded annually at the current 7.1% rate.

Annual contribution *

₹

PPF allows ₹500 to ₹1,50,000 per financial year.

Tenure (years) *

PPF has a minimum 15-year lock-in, extendable in blocks of 5 years.

Your result

₹40,68,209.22

Maturity amount

Total amount invested₹22,50,000

Total interest earned₹18,18,209.22

AI explanation

Formula

Annuity-due future value: FV = A × (((1+r)^n − 1) / r) × (1+r), compounded annually

Worked example

₹1,50,000/year for 15 years

Worked example: ₹1,50,000/year for 15 years
Field	Value
Annual contribution	150000
Tenure (years)	15
Maturity amount	4068209.22
Total amount invested	2250000
Total interest earned	1818209.22

Assumptions

PPF interest rate is 7.1% p.a., compounded annually, notified for the Jul-Sep 2026 quarter and revised quarterly by the Ministry of Finance.
Assumes the full annual contribution is made at the start of each PPF year — a simplification; real PPF interest is computed monthly on the lowest balance between the 5th and last day of the month, which rewards depositing early in April.
Contributions qualify for Section 80C deduction (within the overall ₹1.5 lakh limit) and the maturity amount is entirely tax-free (EEE status).

Frequently asked questions

How should I time my PPF contribution for maximum interest?

Deposit before the 5th of April each year — PPF interest is computed monthly on the lowest balance between the 5th and end of the month, so an early-April deposit earns interest for the full year.

Can I contribute more than once a year?

Yes, up to 12 deposits per financial year are allowed, as long as the total doesn't exceed ₹1,50,000 — but depositing the full amount in early April maximizes interest versus spreading it out monthly.

What happens after the 15-year term ends?

You can withdraw the full maturity amount, or extend the account in blocks of 5 years, with or without making further contributions — see the PPF Extension Calculator.

Related calculators

Sources

Public Provident Fund Scheme — rules and current interest rate — Ministry of Finance, Government of India. Effective 01-07-1968, reviewed 13-09-2026.

This is a projection based on the current PPF interest rate remaining constant, which is unlikely — the Ministry of Finance revises small-savings rates every quarter. Not personalized financial advice.

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