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.
- Free to use
- No registration required
- Works on all devices
- Data period
- PPF rate for July–September 2026 (7.1% p.a.)
- Last updated
- 24-09-2026
Your result
₹40,68,209.22
Maturity amount
AI explanation
Formula
Annuity-due future value: FV = A × (((1+r)^n − 1) / r) × (1+r), compounded annuallyWorked examples
₹1,50,000/year for 15 years
| Field | Value |
|---|---|
| Annual contribution | ₹1,50,000 |
| Tenure (years) | 15 |
| Maturity amount | ₹40,68,209.22 |
| Total amount invested | ₹22,50,000 |
| Total interest earned | ₹18,18,209.22 |
₹500/year for 15 years (the legal minimum)
| Field | Value |
|---|---|
| Annual contribution | ₹500 |
| Tenure (years) | 15 |
| Maturity amount | ₹13,560.70 |
| Total amount invested | ₹7,500 |
| Total interest earned | ₹6,060.70 |
₹75,000/year for 15 years (half the annual cap)
| Field | Value |
|---|---|
| Annual contribution | ₹75,000 |
| Tenure (years) | 15 |
| Maturity amount | ₹20,34,104.61 |
| Total amount invested | ₹11,25,000 |
| Total interest earned | ₹9,09,104.61 |
₹1,50,000/year for 25 years (continuing 10 years past standard maturity)
| Field | Value |
|---|---|
| Annual contribution | ₹1,50,000 |
| Tenure (years) | 25 |
| Maturity amount | ₹1,03,08,014.97 |
| Total amount invested | ₹37,50,000 |
| Total interest earned | ₹65,58,014.97 |
Assumptions and limitations
This calculator assumes
- 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).
- For a tenure entered beyond the standard 15 years, this calculator assumes you keep contributing every year without a gap, compounding the entire stream under the same annuity-due formula throughout — a simplification of a real extension, which happens in separate 5-year blocks that can each independently choose to continue contributing or not.
What it does not account for
- Uses the rate notified for July–September 2026. Rates are revised every quarter; whether a revision changes the return on an existing deposit depends on the scheme's rules.
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.
What's the minimum I can contribute, and is it even worth it?
PPF allows contributions as low as ₹500 per financial year. Sticking to that minimum for the full 15-year term grows just ₹7,500 of total deposits to a maturity amount of ₹13,560.70 — still tax-free and still earning interest, but a reminder that PPF's growth is driven far more by how much you contribute each year than by the rate alone.
What if I don't contribute the full ₹1,50,000 every year?
The maturity amount scales with your annual contribution. Putting in ₹75,000/year — half the annual cap — for 15 years grows to ₹20,34,104.61, roughly half of the ₹40,68,209.22 you'd reach by contributing the full ₹1,50,000/year, since the annuity-due formula scales linearly with the annual amount for a fixed tenure and rate.
Is the 7.1% return guaranteed for my entire tenure?
No. The 7.1% p.a. rate used here is the one notified for the Jul-Sep 2026 quarter, and the Ministry of Finance revises small-savings rates every quarter. This planner projects your maturity amount assuming the current rate holds constant for the whole tenure, which is unlikely over a 15-year (or longer) horizon — treat the result as an illustration, not a guarantee.
How is my PPF contribution and maturity amount taxed?
PPF has "EEE" (Exempt-Exempt-Exempt) tax status: your annual contribution qualifies for a Section 80C deduction (within the overall ₹1.5 lakh limit across all 80C investments), the interest that accrues is tax-free, and the maturity amount you eventually withdraw is tax-free too.
Can I plan for a tenure longer than 15 years, like an extension?
Yes — enter up to 50 years to see contributions continuing past the standard 15-year term in 5-year blocks. Contributing the full ₹1,50,000/year for 25 years (10 years beyond standard maturity) grows to ₹1,03,08,014.97. This planner models that continuation as one unbroken contribution stream under the same annuity-due formula throughout, which is a simplification — a real extension is decided separately for each 5-year block.
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Sources
Official sources
- Interest Rate on National Savings Schemes (PPF: 7.1% p.a. for July–September 2026) — National Savings Institute, Ministry of Finance (DEA), Government of India. Effective 01-07-2026, checked 24-09-2026.
Further reading
- Public Provident Fund Scheme — rules and current interest rate — Ministry of Finance, Government of India. Effective 01-07-1968, checked 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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