PPF Calculator
Investment Details
₹
Min: ₹500, Max: ₹1,50,000
Current Interest Rate
7.10%
(Fixed by Government)
PPF Maturity Projection
Maturity Value (after 15 years)
₹13,560.7
Total Invested
₹7,500
Total Interest
₹6,060.7
Year-on-Year Growth
Guide & Methodology
About the Public Provident Fund (PPF) Calculator
Plan guaranteed, risk-free long-term savings under the government-backed Public Provident Fund scheme with sovereign EEE tax exemption.
What this calculator does
- Calculates annual interest earned and maturity proceeds for the 15-year statutory PPF tenure.
- Supports 5-year block extensions with or without contributions.
- Enforces minimum (₹500) and maximum (₹1,50,000) statutory annual deposit limits.
How it Works & Key Inputs
Step 1
Enter Annual Deposit
Input your intended annual investment (up to ₹1,50,000 per financial year).
Step 2
Check Government Rate
The calculator applies the prevailing Ministry of Finance interest rate (currently 7.1% compounded annually).
Step 3
Review 15-Year Maturity
Inspect year-by-year balance growth and option for 5-year extensions.
Core Calculation Parameters
Yearly InvestmentAmount deposited each financial year (max ₹1.5 Lakh).
Interest RateGovernment-notified quarterly interest rate (currently 7.1% p.a.).
TenureDefault 15 years, extendable in blocks of 5 years.
Formula & Calculation Logic
Mathematical Model
F = P × [((1 + i)^n - 1) / i]Annual annuity compounding with government-mandated interest credit rules.
Variables Breakdown
FMaturity proceedsPAnnual contribution (credited before the 5th of the month)iPrevailing statutory interest rate (e.g. 7.1%)nNumber of years (15 years minimum)Frequently Asked Questions (FAQ)
Disclaimer: This calculator is provided for educational and illustrative purposes only. Actual financial outcomes may vary based on statutory changes, lender terms, fund fees, and prevailing market dynamics.