Public Provident Fund. See your maturity amount, including extensions beyond 15 years.
At maturity you'll get
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The Public Provident Fund (PPF) is a government-backed savings scheme available at post offices and banks. It earns a fixed interest rate set by the government every quarter, has a 15-year lock-in, and is one of the safest long-term savings options in India. The current rate is 7.1% a year (October–December 2026).
Enter how much you deposit and how often (yearly by default), the interest rate and how long. PPF interest is compounded yearly. The calculator shows the maturity amount, how much is interest, and the balance year by year.
You aren't limited to 15 years: enter 20, 25 or more to see the effect of extending your account. It also warns you if your deposits go over the ₹1.5 lakh yearly limit.
Depositing the maximum ₹1,50,000 every year at 7.1%:
The last 10 years more than double the 15-year amount. That's why many people extend their PPF instead of closing it.
PPF has long been tax-free: the interest and the maturity amount aren't taxed, and deposits qualify for a deduction under the old tax regime. Tax rules change, so check the current position for your situation.
A single deposit before the 5th of April earns the most, because the whole amount earns interest for the full year. Monthly deposits are fine too; just deposit before the 5th of each month.
Not necessarily. The government reviews the rate every quarter, and it has changed over the years. This calculator assumes one rate for the whole period; try a lower rate to see a more cautious estimate.
Yes, in blocks of 5 years, either continuing deposits or without new deposits. The balance keeps earning interest either way. Enter a longer tenure here to see the result.