PPF Calculator

How to read this ppf calculator

Read the result as a projected balance over the selected years, not a promised maturity date. It assumes the annual deposit qualifies for a full year of interest. A fixed input rate cannot predict future administered rates.

Worked example

A hypothetical ₹10,000 deposit at the start of each eligible year and a fixed 10% rate produces ₹11,000 after year one and ₹23,100 after year two. This example rate is for arithmetic, not a quoted scheme rate.

Try this example

Method and assumptions

Add the annual deposit, calculate annual interest and round that interest to whole rupees. Actual monthly eligibility and account-opening dates matter for real statements.

This is a balance projection, not a maturity-date calculator. An equal annual deposit is assumed credited by April 5, with a constant user-entered rate and interest rounded to whole rupees at each financial year end. The account-opening financial year, withdrawals and rate changes are not modeled. PPF maturity is measured from the end of the opening financial year; a selected 15-year horizon does not establish an account’s maturity date. Official PPF scheme.

Checks and limitations

Example and model checked on 2026-09-12. These are software calculation checks, not a professional review of your finances. Displayed rupees may differ slightly from unrounded totals.

• National Savings Institute: PPF scheme rules

Our checking process · Report a calculation issue · More savings tools