Loading calculator…
Calculate PPF maturity with yearly deposits and 15-year lock-in.
We'll instantly compare both tax regimes and show which saves you more.
Indicative result — final figures may differ based on specific facts.
Your result will appear here
Fill in the form on the left and we'll compute your numbers instantly.
Indicative results — final figures may differ based on specific facts and recent amendments. Contact us for a tailored review.
Schedule a 15-minute consultation. We'll walk through your inputs and confirm the result.
Step by step
Fill in the fields with your actual numbers. Sensible defaults are provided.
Detailed methodology
The exact formula, statutory references and edge-cases used to compute your result. Click any card to see the relevant sub-section of the Income Tax Act, 1961.
Interest is calculated on the lowest balance between the 5th day and the last day of each month. Deposits made on or before the 5th earn interest for that month; deposits after the 5th do not. Plan contributions accordingly.
People who use PPF Returns Calculator often find these helpful next.
The result is computed instantly using current rates and standard formulas.
See the breakdown and any recommendations. Save or share via email if needed.
For personalized advice, schedule a 15-minute consultation with our team.
Want the math? See Detailed methodology further down this page.
What we assume
Smallest-balance 5th-to-end-of-month rule.
Current quarterly rate, 15-year lock-in, and extension blocks.
Partial withdrawal from year 7, loan from year 3.
Heads up. For situations involving international income, business income, or capital gains, always cross-check with a qualified Chartered Accountant before acting on these numbers.
PPF has a 15-year lock-in from the end of the financial year of opening. After maturity, it can be extended in blocks of 5 years. During extension, contributions are optional; the account continues to earn interest.
Partial withdrawal allowed from year 7 (end of 6th year) — up to 50% of the balance at the end of the 4th preceding year. Loan against PPF available from year 3 to year 6, up to 25% of the balance at end of 2nd preceding year.
PPF is Exempt-Exempt-Exempt: contribution deductible under Section 80C up to ₹1,50,000, interest earned is exempt under Section 10(11), and maturity proceeds are fully tax-free. This makes PPF one of the most tax-efficient long-term instruments.
PPF can have a nominee (mandatory) and was historically available as 'A' (self) or 'H' (HUF) accounts only. Joint accounts with spouse or minors are not allowed under the PPF scheme.
Every situation has nuances this calculator can't model. Schedule a 15-minute call and we'll walk you through what the numbers mean for your case.
Still have questions?
Reach us by phone, WhatsApp, or send a quick message — we usually reply within a few hours.
