PPF 15-Year Maturity & Compounding Calculator — ZYCalculator

A PPF calculator projects the 15-year maturity amount of India Public Provident Fund deposits with 7.1% annual tax-free compound interest and 5-year extensions.

Formula & Method

Closing Balance = (Opening Balance + Annual Deposit) × (1 + r) | 100% Tax Free under EEE

How to Use

  1. Enter Yearly Deposit Amount: Input annual PPF contribution amount (up to statutory ₹1,50,000 limit).
  2. Set Interest Rate & Extension Blocks: Choose 7.1% interest rate and tenure (15, 20, 25, or 30 years).
  3. Review Donut Chart & Export CSV: Analyze principal vs interest gains and download complete yearly schedule.

Frequently Asked Questions

What is Public Provident Fund (PPF) and what is the current interest rate?

PPF is a government-backed 15-year statutory long-term savings scheme in India offering sovereign-guaranteed tax-free returns under the EEE category, currently earning 7.1% p.a. compounded annually.

Can PPF be extended beyond the mandatory 15-year maturity?

Yes, PPF accounts can be extended indefinitely in blocks of 5 years with or without fresh contributions, continuing to earn tax-free compound interest.