About PPF Calculator
The Public Provident Fund is a government-backed small-savings scheme with rules governing contributions, interest, tenure and withdrawals. Use current official rules when making decisions.
SAVINGS
PPF Calculator
Estimate PPF maturity value from annual contribution, investment period and assumed PPF interest rate.
Illustrative maturity value
₹40,68,209
Total contributions
₹22,50,000
Illustrative interest
₹18,18,209
How to use this calculator
- Enter your planned annual contribution.
- Enter the assumed annual interest rate.
- Enter the investment period.
- Review the illustrative projected value.
Calculation methodology
The PPF model uses the government-notified annual rate entered by the user and applies the scheme's monthly-balance principle. The annual-contribution option assumes the contribution is made at the start of the year; the monthly option assumes equal contributions at the start of each month.
Reference: India Post PPF rules
Important assumptions and limitations
PPF rates are notified by the government and can change. The calculator is an illustration and does not model every account event, withdrawal, loan, default or extension rule.
Frequently asked questions
Is the PPF interest rate fixed forever?
No. The PPF interest rate is notified by the government and can change over time.
Can I withdraw from PPF anytime?
PPF has specific rules for partial withdrawals, loans and maturity. Check the current government or official scheme rules before acting.
Disclaimer: Results are estimates for educational and informational purposes. They are not financial, tax, legal or investment advice. Rates, tax rules and product terms can change; verify current applicable rules before making financial decisions.