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About this tool
Work out your 15-year PPF maturity with yearly interest compounding, plus 5-year extension scenarios.
PPF Maturity Calculator shows what a Public Provident Fund account is worth at the end of its 15-year term, compounding your yearly deposits at the prevailing rate and crediting interest at the close of each financial year. You can model a lump sum paid before 5 April or deposits spread across 12 months, then extend the account in 5-year blocks either with fresh contributions or with the balance simply earning interest. It suits anyone deciding how much of the Rs 1.5 lakh annual ceiling to use and whether to extend at maturity.
Open PPF Maturity Calculator on AltFTool — it loads instantly in your browser.
Enter a Yearly deposit (INR) between Rs 500 and Rs 1,50,000 and choose the Deposit pattern — 'Lump sum before 5 April' or 'Spread evenly across 12 months'.
Set the Interest rate (% p.a.), which starts at 7.1, and pick an Extension after 15 years — No extension, +5, +10 or +15 years — then choose whether to keep depositing every year or stop and let the balance earn interest.
Read the maturity value with Total deposited, Total interest earned, interest as a share of maturity and the balance at end of year 15, plus the Year-by-year growth table of Deposit / Interest / Balance, then press Copy result.
Shows the extra interest earned by funding the account before 5 April instead of monthly.
Models 5, 10 and 15-year extensions, with or without further deposits.
Every year's deposit, interest credit and closing balance is listed, not just the final number.
The PPF rate is notified by the Ministry of Finance every quarter and has been 7.1% per annum since April 2020. Change the rate field if a new quarterly notification applies to your period.
Interest is computed on the lowest balance between the 5th and the last day of each month. A deposit credited on or before 5 April counts for all 12 months of that financial year, while a monthly deposit earns interest only for the remaining months.
Between Rs 500 and Rs 1,50,000 per financial year across all PPF accounts you hold, including one opened for a minor. Deposits above the ceiling earn no interest and are simply returned.
PPF has EEE status: the deposit qualifies under Section 80C, the annual interest is exempt, and the maturity amount is tax-free. This is general information, not tax advice for your specific situation.
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