PPF Calculator India

Compare Public Provident Fund style projections: yearly deposit (up to ₹1.5 lakh for illustration), interest rate, and tenure between 15 and 50 years. Two scenarios load by default; add or remove columns (up to four) like our SIP calculator. See total invested, interest, maturity, and invested vs gains — plus year-by-year tables. Free; shareable link and PDF.

Why compare PPF scenarios?

Changing how much you put in each year, the assumed rate, or how long you stay invested shifts maturity and interest materially. Side-by-side columns make trade-offs obvious for long-term planning.

Tax-saving context

PPF is often used under Section 80C alongside ELSS, EPF, and others. This calculator does not allocate your 80C limit across instruments — it only projects growth for the inputs you enter.

Limitations

Simplified annual model; not government-official. No loans, partial withdrawals, or extension rules. Not investment or tax advice.

What is PPF?

The Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with a statutory minimum tenure (typically 15 years, extendable). Interest and tax treatment depend on current rules; always verify with official notifications and your CA or advisor.

Frequently Asked Questions

A PPF calculator estimates how much a Public Provident Fund–style account could grow with regular yearly deposits and compound interest over 15–50 years. It helps you visualise maturity value and interest under assumptions you choose.

No. We use a simplified annual model (deposit then yearly interest on balance) similar to many online calculators. Real PPF uses monthly balance rules for interest (e.g. 5th–last day), government-notified rates, and scheme rules. Treat results as illustrative.

Section 80C places a cap on eligible contributions (currently ₹1.5 lakh per financial year for many tax-saving instruments including PPF). We cap inputs at that amount for a realistic comparison; your actual limit depends on current law and your full 80C usage.

Yes. Two scenarios load by default. Add up to four columns to compare different yearly amounts, interest assumptions, or tenure.

PPF interest is set by the government and can change; it is not a market-linked equity return. Our rate field is whatever you enter for planning — verify current notified rates from official sources.

No. PPF has EEE-style tax benefits subject to conditions and limits. This tool does not model your full tax situation. Consult a qualified professional for tax or investment advice.