PPF is EEE-taxed (no tax at any stage), guaranteed-return, sovereign-backed. Best used as the debt portion of a portfolio — pair with equity SIP for growth. Cannot withdraw freely before year 7.
PPF rate is reviewed quarterly. Tenure can be extended in 5-year blocks.
PPF rate per Govt notification for current quarter
Want this reviewed by a real advisor? AI + ADVISOR
Our AI drafts a personalized plan from your numbers; a SEBI-registered advisor reviews and replies within 24 hours. Free, no signup.
Year-by-Year Breakdown
InvestedInvestment value
Year
Invested
Returns
Value
1
₹1,50,000
₹10,650
₹1,60,650
2
₹3,00,000
₹32,706
₹3,32,706
3
₹4,50,000
₹66,978
₹5,16,978
4
₹6,00,000
₹1,14,334
₹7,14,334
5
₹7,50,000
₹1,75,701
₹9,25,701
6
₹9,00,000
₹2,52,076
₹11,52,076
7
₹10,50,000
₹3,44,524
₹13,94,524
8
₹12,00,000
₹4,54,185
₹16,54,185
9
₹13,50,000
₹5,82,282
₹19,32,282
10
₹15,00,000
₹7,30,124
₹22,30,124
11
₹16,50,000
₹8,99,113
₹25,49,113
12
₹18,00,000
₹10,90,750
₹28,90,750
13
₹19,50,000
₹13,06,643
₹32,56,643
14
₹21,00,000
₹15,48,515
₹36,48,515
15
₹22,50,000
₹18,18,209
₹40,68,209
End
₹22,50,000
₹18,18,209
₹40,68,209
Formula & SourcePPF Calculator
For each year y (1 to Y):
balance = (balance + D) × (1 + R/100)
Source: Government of India quarterly notification; PPF Scheme 1968
Frequently Asked Questions
Yes — EEE. Investment qualifies for 80C deduction, interest is tax-free, maturity is tax-free.
Partial withdrawals from year 7. Premature closure permitted after 5 years for specific reasons.
All formulas are verified against the original government notification or Act (cited in the source line below the result). Numbers update in under a second on any input change, with no rounding-of-thousands like some competitors. For tax, slabs are sourced from the current Finance Act; for small savings, rates come from the quarterly government notification.
Yes — click "Save" below the result. Scenarios are stored in your browser (no signup, no server), and you can view all saved scenarios at /scenarios. To share, click "Share" and your inputs encode into the URL so the recipient lands on the same view.
Yes — click "PDF" below the result. It uses your browser's print-to-PDF, formatted with a clean stylesheet that hides navigation and shows only the calculation, breakdown, and chart. Works offline.
No. Every calculator runs entirely in your browser — your inputs never reach our servers. Scenarios you save are kept in localStorage on your device. We collect anonymous visit counts only for the live counter shown in the footer.
Yes — every calculator is verified for FY 2026-27 (post Finance Act 2025). The "Last reviewed" stamp at the bottom of every page tells you when the math was last re-checked. If you spot an out-of-date number, write to us at /contact.