PPF Calculator
Maturity of your Public Provident Fund after the 15-year lock-in (extendable). EEE tax status, fully exempt at deposit, growth, and withdrawal.
Your numbers
Your result
Investing ₹1.5 lakh a year at 7.1% for 15 years grows your PPF to ₹40.68 lakh, fully tax-free at maturity. Total you put in: ₹22.5 lakh. Interest earned: ₹18.18 lakh, every rupee of it tax-free.
- Total you deposit
- ₹22.5 lakh
- Interest earned (tax-free)
- ₹18.18 lakh
- Maturity value
- ₹40.68 lakh
- Effective tax-free CAGR
- 7.10%
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Now compare PPF with equity SIP
PPF gives ₹7-8% tax-free. A 12% equity SIP after tax is roughly 10-11%. See what the same monthly amount gets you in mutual funds.
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Why PPF still wins for the conservative part of your portfolio
PPF is one of the rare instruments in India with EEE (Exempt-Exempt-Exempt) tax status: your deposit is deductible under 80C, the interest is tax-free, and the maturity is tax-free. Compare that to an FD where interest is taxed at your slab rate, or even ELSS where long-term gains above ₹1 lakh are taxed at 10 percent. On a post-tax basis, PPF beats every safe debt option for anyone in the 20 percent slab or above.
The lifetime PPF strategy
Open the account at age 25 with ₹500. Auto-debit ₹12,500 every month from the 1st of April. Forget about it. By age 40 your account has crossed ₹40 lakh tax-free. Extend in 5-year blocks indefinitely. By age 60 you have a fully tax-free retirement corpus that nobody knew you were building.