How to Use the PPF Calculator
Enter your annual deposit (₹500–₹1,50,000). Choose one-time or monthly deposits. The calculator shows 15-year maturity and allows extension in 5-year blocks.
PPF Calculator Formula
Balance_year = Balance_prev × 1.071 + annual_deposit7.1%= Current PPF rate (Q1 2026, updated quarterly)
Example Calculation
₹1.5 lakh/year for 15 years at 7.1%:
Compounded annually for 15 years
Maturity ≈ ₹40.68 lakh on ₹22.5 lakh invested
Frequently Asked Questions
Can I withdraw from PPF before maturity?
Partial withdrawal is allowed from year 7 — up to 50% of the balance at the end of year 4. Full withdrawal only on maturity after 15 years.