PPF Calculator: Maturity of a 15-Year Investment

PPF is excellent for long-term, safe, tax-free saving. This calculator shows the amount after 15 years.

What is it?

PPF is a government scheme: invest up to ₹1.5 lakh a year, earn compound interest, and the maturity is fully tax-free (EEE).

How is it calculated?

Each year’s deposit earns annual compounding; after 15 years the full amount matures.

Example

₹1.5 lakh a year at 7.1% for 15 years: total invested ₹22.5 lakh, maturity roughly ₹40.7 lakh.

Key things to know

• Invest before the 5th of April to earn a full year’s interest.
• 80C deduction up to ₹1.5 lakh (old regime).
• Extend in 5-year blocks after 15 years.
• Partial withdrawal is allowed from year 7.

What to do next

A PPF account can be opened at a bank or post office.

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Frequently asked questions

Who sets the PPF rate?
The government reviews it quarterly (currently around 7.1%).

Is maturity tax-free?
Yes — PPF is fully tax-free (EEE).

What’s the maximum deposit?
₹1.5 lakh per year.

Disclaimer: This article is for general information only and is not financial or tax advice. Consult a qualified advisor before making investment or tax decisions.