About this tool
Explore a PPF balance projection from the entered deposit, rate and duration assumptions. Use the year-by-year estimate to organise a savings discussion and verify the current scheme conditions independently.
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
मुख्य इनपुट और नियंत्रण हिंदी में देखने के लिए ऊपर “🇮🇳 हिंदी में देखें” चुनें। गणना और फ़ाइल प्रोसेसिंग इसी ब्राउज़र टैब में होती है; टूल आपके इनपुट हमारी होस्टिंग पर नहीं भेजता।
Features
- Work with Annual PPF Investment (Min ₹500, Max ₹1,50,000) (₹); Official PPF Interest Rate (% p.a.); Tenure in Years (15 Yrs Lock-in, extendable in 5-Yr blocks).
- Review Total Principal Deposited; Tax-Free Interest Earned; Maturity Corpus in the result breakdown.
Benefits
- Compare contribution scenarios over the selected period.
- Separate deposited amounts from modelled interest.
Who should use this tool?
- PPF account holders reviewing a projection.
- People comparing savings contributions.
How to use
- Complete the labelled fields for your scenario, including Annual PPF Investment (Min ₹500, Max ₹1,50,000) (₹); Official PPF Interest Rate (% p.a.); Tenure in Years (15 Yrs Lock-in, extendable in 5-Yr blocks). Use the units shown beside each field.
- Try the example labelled “Max ₹1,50,000/yr for 15 Years @ 7.1%” if you want to check the workflow first.
- Select Calculate / Run Tool and review 100% Tax-Free (EEE) PPF Maturity Value and Total Principal Deposited; Tax-Free Interest Earned.
- Check the assumptions and limitations below. Adjust a value to compare scenarios, then copy or download the result you need.
Try these worked examples
| Scenario | Example inputs | Example result |
|---|---|---|
| Max ₹1,50,000/yr for 15 Years @ 7.1% | Annual PPF Investment (Min ₹500, Max ₹1,50,000) (₹): 150000Official PPF Interest Rate (% p.a.): 7.1Tenure in Years (15 Yrs Lock-in, extendable in 5-Yr blocks): 15 | ₹40,68,209 (₹40.68 L) |
| ₹1,00,000/yr Extended to 20 Years @ 7.1% | Annual PPF Investment (Min ₹500, Max ₹1,50,000) (₹): 100000Official PPF Interest Rate (% p.a.): 7.1Tenure in Years (15 Yrs Lock-in, extendable in 5-Yr blocks): 20 | ₹44,38,859 (₹44.39 L) |
Reference and processing
National Savings Institute (NSI), Ministry of Finance — PPF Scheme (7.1% p.a.) · Listed applicability: FY 2025-26 / 2026-27 (7.1% p.a. compounded annually)
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server.
FAQs
Are future PPF rates guaranteed by this projection?
The projection uses the rate assumption shown. Future declared rates and the exact timing of deposits can change the actual interest credited to an account.
Which inputs do I need for PPF (Public Provident Fund) Maturity Calculator (7.1% Official Rate)?
Use Annual PPF Investment (Min ₹500, Max ₹1,50,000) (₹); Official PPF Interest Rate (% p.a.); Tenure in Years (15 Yrs Lock-in, extendable in 5-Yr blocks). The built-in examples show how those fields fit together.
What should I check before using this result?
Minimum annual deposit is ₹500 and statutory maximum is ₹1,50,000 per financial year across all accounts held by an individual (including minor child account). Deposit before the 5th of the month to earn interest for that month. Check current official rules and your own circumstances before making a filing or financial decision.
What happens to the information I enter?
Calculations and file processing run in this browser tab. The tool does not send working inputs or files to our hosting server. Tool favourites save only tool IDs in this browser. Sharing sends the tool link, not your working values or files.