PPF calculator
Model Public Provident Fund growth with installment frequency, rate, and tenure—within the ₹1.5 lakh/year cap.
Inputs
Frequency, installment, rate & years
Annual deposit: ₹0
Quick add (per period)
Maturity value
Key number₹0
Estimated corpus at end of tenure (model).
Total deposits
₹0
Total interest
Compounded annually
₹0
Maturity
Deposits + interest
₹0
Visual insights
Interactive charts — hover for details.
Growth over time
Balance by year
Deposits vs interest
Share of maturity value
Yearly interest
Interest credited each year (model)
Smart insights
High-signal takeaways from your current numbers.
Interest share
About 0% of the modeled maturity value is interest—consistent annual deposits within the cap maximize compounding.
₹1.5 lakh / year
If your annual deposit exceeds ₹1.5 lakh, PPF rules do not pay interest on the excess—adjust installment or frequency.
Year-wise breakdown
| Year | Interest (₹) | Balance (₹) |
|---|
Related PPF calculator pages
Nearby annual deposit amounts, tenures, or PPF interest rates—one change at a time.
- PPF — ₹1,50,000/yr · 15 yrs @ 7.199999999999999%
- PPF — ₹1,26,000/yr · 15 yrs @ 7.199999999999999%
- PPF — ₹1,08,000/yr · 15 yrs @ 7.199999999999999%
- PPF — ₹1,38,000/yr · 13 yrs @ 7.199999999999999%
- PPF — ₹1,38,000/yr · 10 yrs @ 7.199999999999999%
- PPF — ₹1,38,000/yr · 15 yrs @ 7.299999999999999%
- PPF — ₹1,38,000/yr · 15 yrs @ 7.1%
- PPF — ₹1,38,000/yr · 15 yrs @ 7.699999999999999%
- PPF — ₹1,38,000/yr · 15 yrs @ 6.699999999999999%
Guide · India · Small savings
PPF: disciplined savings with long horizons
Why families use PPF
PPF combines long-term discipline, government-backed comfort, and tax planning (subject to law). Whether you invest monthly or in lump sums within the annual cap, projecting maturity and interest helps you align with education, retirement, or backup corpus goals.
How this calculator helps
Choose deposit frequency, installment amount, assumed annual rate, and tenure in years. Stay within ₹1.5 lakh/year in the model to mirror common planning constraints. Review charts and the year-wise table for a sense of corpus build-up—then compare with official calculators and passbook entries.
Rules that change with notifications
Interest rates, extension rules, premature withdrawal, and loan against balance are governed by notifications. Always rely on the latest Ministry of Finance / operating bank or post office circulars for decisions.
Key insights
- Consistency: missing years reduces compounding opportunity—automate transfers if possible.
- Asset mix: balance PPF’s stability with inflation-beating assets as per risk profile.
Frequently asked questions
- What is PPF (Public Provident Fund)?
- PPF is a long-term savings scheme backed by the Government of India with a statutory framework. It is widely used for retirement and goal planning with tax benefits subject to current law.
- What is the annual investment limit for PPF?
- Currently, the combined contribution across one’s own and minor accounts is capped at ₹1.5 lakh per financial year for tax benefits under Section 80C within overall limits—verify current rules each year.
- How is PPF interest credited?
- Interest is compounded annually and credited as per rules notified by the government. Rates are reviewed periodically. This calculator uses your inputs as an illustration—actual accrual follows official notification.
- What is the PPF lock-in period?
- The initial block is 15 years, extendable in blocks of 5 years under rules. Premature closure is allowed only in specific situations—read current operational guidelines.
- Is PPF interest tax-free?
- PPF enjoys EEE treatment in many cases under existing provisions—principal (within 80C limits), interest, and maturity may be exempt subject to conditions. Tax law changes over time; consult a CA.
- Can I open PPF for my child?
- Guardians can open accounts for minors with combined contribution limits across accounts. Rules on guardianship and limits apply—check the latest circular.
- Will this calculator match my passbook exactly?
- Not necessarily. The tool models deposits and compounding from your inputs. Banks/post offices may apply deposit dates, financial-year boundaries, and rounding differently.
Related calculators
More tools on EasyCal for loans, savings, and planning.
Conclusion
PPF remains a core pillar for many Indian households. Use this tool for scenario planning, then confirm balances, rates, and tax treatment with official channels and your advisor.