₹
₹500 to ₹1,50,000 a year
%
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Maturity value
₹0
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Year-wise breakdown
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See what your Public Provident Fund will be worth after 15 years, or longer with 5-year extensions. All interest is tax-free.
₹500 to ₹1,50,000 a year
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Fill in the details to see the year-wise breakdown.
Interest is calculated monthly on the lowest balance between the 5th and the end of each month, and credited once a year on 31 March. Depositing before 5 April earns the most.
Example: ₹1.5 lakh a year for 15 years at 7.1% grows to about ₹40.68 lakh: ₹22.5 lakh invested and ₹18.18 lakh tax-free interest.
| Minimum / maximum deposit | ₹500 / ₹1.5 lakh per year |
| Lock-in | 15 years, extendable in 5-year blocks |
| Partial withdrawal | From the 7th year |
| Loan against PPF | Years 3 to 6 |
| Tax | EEE: deposit, interest and maturity all tax-free |
Yes, in blocks of 5 years, with or without fresh deposits. Submit Form H within a year of maturity to continue contributing.
No new accounts, but an account opened while resident can continue until maturity.
PPF is guaranteed and tax-free but locked for 15 years. ELSS mutual funds have a 3-year lock-in and higher potential returns, with market risk.
These figures are estimates for planning only and are not financial advice. Actual returns, rates and charges depend on your bank, fund or scheme. Check the latest rates before you invest or borrow.