PPF Calculator 2025: Maturity Amount, Interest Rate & Partial Withdrawal Rules
Use Moneykar's PPF calculator to find your 15-year maturity amount, compare extension scenarios, and understand partial withdrawal and loan rules — with the latest 2025-26 interest rate.
PPF (Public Provident Fund) is a government-backed savings scheme that offers guaranteed, tax-free returns with the rare EEE (Exempt-Exempt-Exempt) tax status — meaning your investment, interest earned, and maturity amount are all completely tax-free. The PPF calculator shows exactly how your annual deposits grow over the 15-year lock-in period.
What is PPF and why does it matter?
PPF is one of the few investment products in India that delivers risk-free, inflation-beating, fully tax-free returns. At 7.1% p.a. (2025-26 rate) with EEE status, the effective pre-tax equivalent yield for someone in the 30% bracket is approximately 10.1%. No other guaranteed instrument comes close.
It's not just a savings account — it's a government loan to you, backed by sovereign guarantee. Your money is as safe as it gets.
How to use Moneykar's PPF Calculator
- Annual deposit amount — minimum ₹500, maximum ₹1,50,000/year.
- Assumed interest rate — current rate is 7.1%. The calculator uses this unless you adjust it.
- Contribution timing — to maximise interest, deposit before 5th of April each financial year. The calculator assumes start-of-year deposits.
- Duration — standard 15 years, with optional 5-year extension blocks.
PPF maturity: the power of 15 years compounding
| Annual Deposit | Total Invested | Maturity at 7.1% (15Y) | Tax-free gain |
|---|---|---|---|
| ₹50,000 | ₹7.5L | ~₹13.6L | ~₹6.1L |
| ₹1,00,000 | ₹15L | ~₹27.1L | ~₹12.1L |
| ₹1,50,000 | ₹22.5L | ~₹40.7L | ~₹18.2L |
Extending the PPF account for one or two 5-year blocks after maturity dramatically increases your corpus — because the base is now much larger and compounding accelerates.
Section 80C deduction + EEE status: the dual benefit
PPF deposits qualify for Section 80C deduction (up to ₹1.5 lakh/year), reducing your taxable income. The interest and maturity proceeds are also 100% tax-free. This EEE structure is available only to PPF, EPF, and a few other government schemes — making it the cornerstone of tax-efficient long-term saving for most salaried Indians.
PPF partial withdrawal and loan rules
- Loan against PPF: Available from year 3 to year 6 of the account. Maximum 25% of balance at end of year 2. Interest rate: 1% above PPF rate.
- Partial withdrawal: From year 7 onwards. Maximum: 50% of balance at the end of the 4th preceding year.
- Premature closure: After 5 years, for specific reasons (medical, higher education). 1% interest penalty applies.
Frequently Asked Questions
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