Deposit timing
PPF interest uses the lowest monthly balance between the close of the fifth day and month end. This projection assumes your annual deposit is available by 5 April, so it receives a full year of interest.
PLAN YOUR PPF
Project your maturity corpus
Account details
Project from a financial year end after interest has been credited. The opening financial year must already be complete.
years
0 means the opening financial year has just ended, with 15 complete financial years still to run. 15 means maturity.
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Include all deposits and credited interest through 31 March, including the opening year. The displayed balance is an editable example.
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Permitted range is ₹500 to ₹1,50,000 per financial year.
%
Future contributions stop increasing at the annual limit.
%
The Government may revise the rate in future quarters.
%
Used only to show value in money at the starting financial year end.
An extension with deposits generally requires the prescribed option within one year of maturity.
Estimated maturity value
₹0
At the end of account year 15
Value after extension
Five additional account years
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Opening balance
₹0
Future contributions
₹0
Interest until maturity
₹0
Value in money at the starting financial year end
₹0
At 6% inflation
Maturity corpus mix
Capital and projected interestCapital includedProjected interest
Annual projection
Amounts rounded to the nearest rupee| Year after opening FY | Opening balance | Deposit | Interest | Closing balance | Value at start |
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The estimate assumes each annual deposit is made on or before 5 April and therefore earns interest for the full financial year.
UNDERSTAND THE ESTIMATE
How this PPF calculation works
The calculator starts with your current balance, adds each planned annual contribution and credits interest at the end of every projected financial year.
Maturity period
A PPF account matures after fifteen complete financial years from the end of the financial year in which it was opened. Enter 0 at the end of the opening financial year and retain its full closing balance. Count subsequent completed financial years from that point. This projection begins on the following 1 April and does not calculate the partial opening year.
Inflation adjustment
The value in money at the starting financial year end discounts the projected corpus by your inflation assumption. It does not change the nominal PPF interest calculation.
Calculation basis
For each projected year, the eligible opening balance and deposit earn the assumed annual rate. Actual PPF interest is credited annually and future rates may change.
Closing balance = Opening balance + Deposit + ((Opening balance + Deposit) × Interest rate)Rules reference: Public Provident Fund Scheme, 2019.
Frequently asked questions
The default assumption is 7.1% a year. The Government reviews small savings rates periodically, so you can replace the default with another rate to test a future scenario.
The present permitted range is ₹500 to ₹1,50,000 in a financial year. The maximum applies to the relevant accounts covered by the depositor's overall limit under the scheme rules.
Interest is based on the lowest balance between the close of the fifth day and the end of each month. A deposit made on or before the fifth day can be eligible for that month's interest, subject to the scheme rules and actual credit timing.
The account matures after fifteen complete financial years from the end of the financial year in which it was opened. The practical calendar duration can therefore be longer than fifteen years, depending on the opening date.
Yes. You may continue without new deposits, or choose an extension with deposits in blocks of five years under the applicable process. An account continued without deposits remains eligible for interest at the prevailing scheme rate.
It increases the planned deposit by your chosen percentage each year until the annual PPF limit is reached. It is a planning feature, not a special facility offered by the PPF account.
Actual results can differ because of deposit dates, changing interest rates, withdrawals, missed contributions, rounding, account opening timing and rule changes. Use your PPF passbook as the authoritative record.
PPF interest and eligible maturity proceeds are generally exempt under current Indian tax rules. Contribution deductions depend on the tax regime and your eligibility. Tax rules can change, so check the current provisions for your situation.
The calculator divides the future corpus by the compounded inflation factor over the remaining years. This expresses the final amount in approximate purchasing power at the starting financial year end without changing the nominal account projection.
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This calculator provides an educational estimate, not an account statement, tax opinion or investment recommendation. It assumes one deposit by 5 April each financial year, a constant annual interest rate, no withdrawals and no missed deposits. Actual results depend on official rates, account dates, deposit timing, rounding and prevailing PPF and tax rules.