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PPF scenario · India

PPF Calculator: ₹1,00,000/year for 15 years

Projected maturity, interest earned, and tax savings for ₹1,00,000/year invested over 15 years at the current 7.1% PPF rate.

📅 Current PPF Rate: 7.1% p.a. (Revised quarterly by Government of India)
1

Your PPF plan

Adjust any value — results update instantly.

₹1,00,000

Maximum ₹1.5L/year for 80C benefit. Minimum ₹500/year.

7.1%
%

Current government rate: 7.1% p.a.

15 years
yrs

Minimum 15 years. Extendable in 5-year blocks after maturity.

2

Projected maturity

Real-time as you type.

Maturity value

₹27,12,139

After 15 years at 7.1% interest

Total invested

₹15,00,000

Interest earned

₹12,12,139

Tax saved (30%)

₹4,50,000

💰 PPF is completely TAX FREE

No tax on investment + interest + maturity (EEE status).

Corpus growth

Watch invested capital and corpus grow year by year.

Year-by-year breakdown

Opening balance, annual deposit, interest credited, and closing balance.

YearOpeningDepositInterestClosing
1₹0₹1,00,000₹7,100₹1,07,100
2₹1,07,100₹1,00,000₹14,704₹2,21,804
3₹2,21,804₹1,00,000₹22,848₹3,44,652
4₹3,44,652₹1,00,000₹31,570₹4,76,222
5₹4,76,222₹1,00,000₹40,912₹6,17,134
6₹6,17,134₹1,00,000₹50,917₹7,68,051
7₹7,68,051₹1,00,000₹61,632₹9,29,682
8₹9,29,682₹1,00,000₹73,107₹11,02,790
9₹11,02,790₹1,00,000₹85,398₹12,88,188
10₹12,88,188₹1,00,000₹98,561₹14,86,749
11₹14,86,749₹1,00,000₹1,12,659₹16,99,409
12₹16,99,409₹1,00,000₹1,27,758₹19,27,167
13₹19,27,167₹1,00,000₹1,43,929₹21,71,095
14₹21,71,095₹1,00,000₹1,61,248₹24,32,343
15₹24,32,343₹1,00,000₹1,79,796₹27,12,139

PPF vs FD vs SIP

Tax-adjusted comparison at ₹1,00,000/year for 15 years.

PPF · 7.1% tax-free

₹27,12,139

EEE — no tax at any stage

FD · 7% taxed at 30%

₹22,46,629

Effective 4.9% · gross ₹26,88,805

SIP · 12% LTCG 10%

₹39,07,795

Higher return, but market risk

Frequently asked questions

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PPF rate as on May 2026. Verify the current rate with your bank or India Post.