Plan your 15-year Government Public Provident Fund savings at the official 7.1% interest rate with complete EEE tax exemption.
Calculate tax-free compounding returns with sovereign Government of India backing
₹22,50,000
₹18,18,209
₹40,68,209
Year-by-year accumulation showing total principal invested and returns generated.
| Year | Total Deposits | Interest Earned | Account Balance |
|---|---|---|---|
| Year 1 | ₹1,50,000 | +₹10,650 | ₹1,60,650 |
| Year 2 | ₹3,00,000 | +₹32,706 | ₹3,32,706 |
| Year 3 | ₹4,50,000 | +₹66,978 | ₹5,16,978 |
| Year 4 | ₹6,00,000 | +₹1,14,334 | ₹7,14,334 |
| Year 5 | ₹7,50,000 | +₹1,75,701 | ₹9,25,701 |
| Year 6 | ₹9,00,000 | +₹2,52,076 | ₹11,52,076 |
| Year 7 | ₹10,50,000 | +₹3,44,524 | ₹13,94,524 |
| Year 8 | ₹12,00,000 | +₹4,54,185 | ₹16,54,185 |
| Year 9 | ₹13,50,000 | +₹5,82,282 | ₹19,32,282 |
| Year 10 | ₹15,00,000 | +₹7,30,124 | ₹22,30,124 |
| Year 11 | ₹16,50,000 | +₹8,99,113 | ₹25,49,113 |
| Year 12 | ₹18,00,000 | +₹10,90,750 | ₹28,90,750 |
| Year 13 | ₹19,50,000 | +₹13,06,643 | ₹32,56,643 |
| Year 14 | ₹21,00,000 | +₹15,48,515 | ₹36,48,515 |
| Year 15 | ₹22,50,000 | +₹18,18,209 | ₹40,68,209 |
PPF interest is calculated monthly on the minimum balance maintained between the close of the 5th day and the end of the calendar month. To earn interest for the entire month, always ensure your deposit arrives on or before the 5th of that month.
The Government of India notifies PPF interest rates every quarter. The prevailing rate is 7.1% per annum, compounded annually. Interest is computed on the lowest balance between the 5th and the end of each month.