PPF Calculator
Plan your Public Provident Fund investments with tax savings, interest projections, and year-by-year growth analysis. Current rate: 7.1% p.a.
Configure PPF
Balance = (Previous + Deposit) × (1 + Rate/100) | PPF interest compounded annually
PPF Quick Rules
PPF vs FD vs NPS Comparison
See how PPF stacks up against other safe investments
PPF Interest Rate History
Rates set by Government of India, revised quarterly
| Period | Rate | Change |
|---|---|---|
| Oct 2024 – Present | 7.10% | – |
| Apr 2023 – Sep 2024 | 7.10% | – |
| Jan 2023 – Mar 2023 | 7.10% | – |
| Oct 2022 – Dec 2022 | 7.10% | ▲ +0.10% |
| Apr 2020 – Sep 2022 | 7.10% | ▼ -0.90% |
| Apr 2019 – Mar 2020 | 7.90% | ▼ -0.10% |
| Oct 2018 – Mar 2019 | 8.00% | ▲ +0.20% |
| Jan 2018 – Sep 2018 | 7.60% | ▼ -0.20% |
| Apr 2017 – Dec 2017 | 7.80% | ▼ -0.30% |
| Apr 2016 – Mar 2017 | 8.10% | ▼ -0.60% |
| Apr 2013 – Mar 2016 | 8.70% | – |
Year-by-Year Breakdown
0 yearsUnderstand PPF
Why PPF is India's Safest Investment
Government-backed, tax-free, and compounding — PPF is the gold standard for risk-free wealth building.
Government Guaranteed
PPF is backed by the sovereign guarantee of the Government of India. Your principal and interest are 100% safe, unlike bank FDs which are insured only up to ₹5 lakh.
Triple Tax Exemption
PPF has EEE (Exempt-Exempt-Exempt) status: Deposit qualifies for Section 80C deduction (up to ₹1.5L), interest is tax-free, and maturity amount is completely tax-free.
Power of 15+ Years
With a 15-year minimum lock-in extended in 5-year blocks, PPF leverages long-term compounding. ₹1.5L/year at 7.1% grows to ₹40.7L in 15 years — you invest only ₹22.5L!