PPF calculator
See what regular PPF deposits could grow to. Move the sliders or type your own numbers.
₹40,68,209
- Total deposits
- ₹22,50,000
- Interest earned
- ₹18,18,209
- Balance
- ₹40,68,209
Year-by-year growth
| Year | Deposited | Interest so far | Value |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹3,00,000 | ₹32,706 | ₹3,32,706 |
| 3 | ₹4,50,000 | ₹66,978 | ₹5,16,978 |
| 4 | ₹6,00,000 | ₹1,14,334 | ₹7,14,334 |
| 5 | ₹7,50,000 | ₹1,75,701 | ₹9,25,701 |
| 6 | ₹9,00,000 | ₹2,52,076 | ₹11,52,076 |
| 7 | ₹10,50,000 | ₹3,44,524 | ₹13,94,524 |
| 8 | ₹12,00,000 | ₹4,54,185 | ₹16,54,185 |
| 9 | ₹13,50,000 | ₹5,82,282 | ₹19,32,282 |
| 10 | ₹15,00,000 | ₹7,30,124 | ₹22,30,124 |
| 11 | ₹16,50,000 | ₹8,99,113 | ₹25,49,113 |
| 12 | ₹18,00,000 | ₹10,90,750 | ₹28,90,750 |
| 13 | ₹19,50,000 | ₹13,06,643 | ₹32,56,643 |
| 14 | ₹21,00,000 | ₹15,48,515 | ₹36,48,515 |
| 15 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
This calculator gives estimates for learning. Real rates, charges and returns vary, and nothing here is advice or a recommendation. Read the disclaimer.
How the PPF balance is worked out
The calculator assumes you deposit the full yearly amount at the start of each year and that interest is added once a year at the rate you enter. The balance after each year is (previous balance + deposit) × (1 + rate). Real PPF interest is worked out monthly on the lowest balance between the 5th and the end of the month, so depositing early in the year matters, and your statement may differ slightly.
The rate is set by the government and can change. Interest on PPF is tax-free under current rules, but check the latest rules before you decide.
Common questions
How much can I put into a PPF account?
The minimum is ₹500 and the maximum is ₹1,50,000 in a financial year, according to the National Savings Institute. The calculator limits the yearly deposit to that range.
When does a PPF account mature?
An account matures after fifteen complete financial years from the end of the year it was opened. After that it can be extended in blocks of five years. The time period slider starts at 15 years.
What interest rate does PPF pay?
The government sets the rate and can change it every quarter, so enter the current rate in the box. The default is only a starting point; check the latest rate before you rely on the result.