PPF. 15-year.
Project your Public Provident Fund maturity over the 15-year lock-in — tax-free interest, year-by-year, on contributions up to ₹1.5L.
How big will your PPF grow?
Enter your yearly contribution. We'll compound it tax-free over the 15-year lock-in and chart the balance.
How PPF compounds
The Public Provident Fund is a 15-year government savings scheme. You contribute up to ₹1.5L a year; interest (currently ~7.1%) compounds annually and is entirely tax-free. The long lock-in plus EEE tax status makes it one of the safest long-term compounders available.
Indian SaaS context: PPF contributions qualify for 80C, and both the interest and maturity are tax-free — rare among Indian instruments. It pairs well with equity SIPs as the debt/safe portion of a long-term portfolio.
Frequently asked questions
How long is the PPF lock-in?+
PPF has a 15-year term. You can extend in blocks of 5 years after that. Partial withdrawals are allowed from year 7, and loans against the balance from years 3–6. The maturity here assumes the full 15-year term.
Is PPF interest tax-free?+
Yes — PPF is EEE (exempt-exempt-exempt): your contribution qualifies for 80C, the interest is tax-free, and the maturity is tax-free. That tax-free compounding is what makes it powerful despite a modest rate.
How much can I invest in PPF each year?+
Between ₹500 and ₹1,50,000 per financial year. This calculator caps the yearly contribution at ₹1,50,000, the statutory maximum.