PPF Calculator Post Office FY 2025-26 — Monthly & Yearly

Public Provident Fund (PPF) is a 15-year government-backed scheme available at India Post and banks. Interest is tax-free and deposits qualify for Section 80C up to ₹1.5 lakh per financial year.

Calculate PPF maturity with monthly or yearly deposits at current post office rate. You can deposit any time during the year between ₹500 and ₹1.5 lakh total per FY. This calculator supports both yearly lump-sum and equal monthly contributions. Actual PPF interest uses monthly balances; we approximate with annual interest credit after monthly contributions.

India Post account holders and savers comparing small savings schemes. Use this tool if you want a clear estimate before speaking with a bank, post office branch, or tax advisor.

• ₹1,50,000/year for 15 years at 7.1% → maturity ≈ ₹40.7 lakh
• ₹10,000/month (₹1.2L/year) for 15 years at 7.1% → maturity ≈ ₹32.5 lakh
• Minimum ₹500/year; maximum ₹1.5 lakh per financial year

After maturity you can withdraw fully or extend in blocks of 5 years with or without fresh deposits. Use this calculator for the initial 15-year block, then plan extensions separately.

1. 1
   Step 1

   Choose yearly lump sum or equal monthly deposits.

2. 2
   Step 2

   Enter amount within ₹500–₹1.5 lakh annual limit.

3. ✓
   Final answer

   Review maturity and interest over 15 years.

1. 1

   Locate the calculator form at the top of this page.

2. 2

   Enter your values using the units shown (₹, %, years, or as labelled).

3. 3

   Review the instant result, charts, or schedules in the output panel.

4. 4

   Adjust inputs to compare scenarios before making a financial decision.

• PPF falls under EEE — deposits (80C), interest, and maturity are tax-free for resident Indians.

• Ideal for long-term goals like retirement or child education alongside ELSS or NSC.

• Annual interest credit on monthly running balance (approximation)

• Rate fixed for illustration

• NRI accounts cannot be opened — PPF for residents only.

• Deposit before the 5th of each month for slightly higher interest in real PPF accounts.

• Extend in 5-year blocks after maturity without losing tax-free status.

• Exceeding ₹1.5 lakh total deposits in one financial year across PPF accounts.

• Expecting partial withdrawal before year 7 except for specific allowed reasons.

• Post office schemes in India — PPF, MIS, NSC and how to compare returnsCompare India Post PPF, SSY, NSC, MIS, SCSS and RD for rates, limits, and tax treatment.Read guide →

• India Post — indiapost.gov.in (small savings rates)
• PPF scheme rules — National Savings Institute
• India Post — (small savings rates)indiapost.gov.in

Plan tax-free long-term savings with post office or bank PPF. Pair with our income tax calculator for 80C planning.