Finance / India
PPF Calculator: Estimate in Rupees
Estimate annual PPF deposits over 15 years and five-year extensions, with a 5 April deposit-date option.
PPF Calculator: Estimate in Rupees: Applies the entered interest rate to eligible monthly balances and credits interest annually. Deposits by 5 April earn a full year, while deposits after 5 April earn 11 months. Annual deposits must be ₹500–₹1.5 lakh. Select five-year extensions with or without further deposits. The model starts with 15 complete financial years. Runs 100% locally in your browser with zero server file uploads.
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Results are estimates. Rates, payment dates, fees and taxes can change the actual amount.
Editable default, as notified for October–December 2026. Check the latest notification before using it.
Official rate source
Interest is calculated on the lowest balance between the close of the 5th day and month end, then credited annually. A deposit by 5 April earns all 12 months; a later April deposit earns 11. No withdrawals are modelled.
The model uses 15 complete financial years and optional five-year extensions. Statutory maturity is 15 years from the end of the opening financial year, so your opening date can add an initial partial year. Extensions with deposits require the prescribed election.
PPF balance
Years 1 to 15Chart scale: ₹0 to ₹40,68,209.22
| Year | Deposits | Withdrawals | Interest / growth | PPF balance |
|---|---|---|---|---|
| 1 | ₹1,50,000₹1.5 lakh | ₹0 | ₹10,650 | ₹1,60,650₹1.61 lakh |
| 2 | ₹1,50,000₹1.5 lakh | ₹0 | ₹22,056.15 | ₹3,32,706.15₹3.33 lakh |
| 3 | ₹1,50,000₹1.5 lakh | ₹0 | ₹34,272.14 | ₹5,16,978.29₹5.17 lakh |
| 4 | ₹1,50,000₹1.5 lakh | ₹0 | ₹47,355.46 | ₹7,14,333.75₹7.14 lakh |
| 5 | ₹1,50,000₹1.5 lakh | ₹0 | ₹61,367.7 | ₹9,25,701.44₹9.26 lakh |
| 6 | ₹1,50,000₹1.5 lakh | ₹0 | ₹76,374.8 | ₹11,52,076.24₹11.52 lakh |
| 7 | ₹1,50,000₹1.5 lakh | ₹0 | ₹92,447.41 | ₹13,94,523.66₹13.95 lakh |
| 8 | ₹1,50,000₹1.5 lakh | ₹0 | ₹1,09,661.18₹1.1 lakh | ₹16,54,184.84₹16.54 lakh |
| 9 | ₹1,50,000₹1.5 lakh | ₹0 | ₹1,28,097.12₹1.28 lakh | ₹19,32,281.96₹19.32 lakh |
| 10 | ₹1,50,000₹1.5 lakh | ₹0 | ₹1,47,842.02₹1.48 lakh | ₹22,30,123.98₹22.3 lakh |
| 11 | ₹1,50,000₹1.5 lakh | ₹0 | ₹1,68,988.8₹1.69 lakh | ₹25,49,112.78₹25.49 lakh |
| 12 | ₹1,50,000₹1.5 lakh | ₹0 | ₹1,91,637.01₹1.92 lakh | ₹28,90,749.79₹28.91 lakh |
| 13 | ₹1,50,000₹1.5 lakh | ₹0 | ₹2,15,893.23₹2.16 lakh | ₹32,56,643.02₹32.57 lakh |
| 14 | ₹1,50,000₹1.5 lakh | ₹0 | ₹2,41,871.65₹2.42 lakh | ₹36,48,514.68₹36.49 lakh |
| 15 | ₹1,50,000₹1.5 lakh | ₹0 | ₹2,69,694.54₹2.7 lakh | ₹40,68,209.22₹40.68 lakh |
PPF scheme
National Savings Institute, Public Provident Fund Scheme: https://www.nsiindia.gov.in/writereaddata/SchemeRules/PublicProvidentFundSchemeRule.pdf
Annual deposits are limited to ₹500–₹1.5 lakh. Interest is credited annually on the monthly eligible balance.
Rate and extension assumptions
National Savings Institute, small-savings rate notifications: https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=132
The starting 7.1% rate is labelled for October–December 2026 and is editable. Five-year extensions may continue deposits or retain the balance without deposits. Actual future rates can change.
How to use it
- Enter amounts and choose the calculation options shown.
- Adjust the rate and duration to match your assumptions.
- Read the estimate, year-by-year chart and table, then download the CSV.
Privacy & limitations
Calculations and CSV exports run in your browser. Your financial inputs are not uploaded.
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Frequently asked questions
Why does 5 April matter?
PPF interest uses the lowest balance between the close of the 5th day and month end. A later April deposit misses April’s interest.
Is the maturity date exactly 15 years from opening?
Statutory maturity is 15 years from the end of the opening financial year. This estimate models 15 full financial years; an opening partial year is excluded.
Can the rate change?
Yes. The notified rate is an editable default held constant in the projection. Check the latest government notification and extension-election rules.
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