PPF Calculator
Estimate Public Provident Fund maturity with annual contribution, interest rate, and tenure.
PPF Inputs
Yearly Contribution
Interest Rate
Tenure
What Is Public Provident Fund (PPF)?
PPF is a long-term government-backed savings scheme in India designed for disciplined wealth creation with tax benefits.
It is commonly used by salaried and self-employed investors who prefer stable, low-volatility long-term planning.
Current PPF Interest Rate
PPF rates are notified periodically by the Government of India and can change over time.
Use the latest government notification rate in this calculator for the most relevant maturity estimate.
PPF Lock-in Period
PPF has a long lock-in period, which encourages disciplined saving and long-term compounding.
Partial withdrawal and extension rules apply after specific years, so check current account terms before planning withdrawals.
Tax Benefits of PPF
PPF is generally considered under the EEE style framework in common tax discussions: contribution eligibility, interest accrual, and maturity treatment are often tax efficient under prevailing rules.
Deductions are typically considered under Section 80C within prescribed limits; verify latest tax regime and eligibility before filing.
PPF vs FD
| Factor | PPF | Fixed Deposit (FD) |
|---|---|---|
| Risk Profile | Government-backed long-term scheme | Bank/NBFC deposit product |
| Tenure Nature | Long lock-in with extension options | Flexible tenure choices |
| Tax Efficiency | Often tax-efficient under prevailing rules | Interest usually taxable as per slab |
PPF vs SIP
| Factor | PPF | SIP |
|---|---|---|
| Return Nature | Policy-notified fixed-style rate | Market-linked variable return |
| Volatility | Lower | Higher based on fund category |
| Ideal Goal Type | Conservative long-term corpus | Growth-oriented long-term wealth creation |
Frequently Asked Questions
Is PPF interest rate fixed forever?
No. Rates are notified periodically, so long-term estimates should be reviewed as rates change.
Can I invest different amount each year?
This tool models a consistent yearly contribution. You can run multiple scenarios for variable contributions.
Does this include tax treatment details?
It focuses on growth projection. Consult current tax rules or advisors for exact tax implications.
Is PPF useful for conservative planning?
Yes. It is often used for disciplined long-term savings with relatively stable return expectations.
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