PPF Calculator
Estimate PPF maturity from annual contributions and an editable annual interest rate.
How this calculator works
This simplified projection assumes the full annual contribution is deposited at the beginning of each year and earns interest for that year.
Actual PPF interest is calculated under scheme rules based on account balance timing and is credited annually.
Example
If ₹1,50,000 is deposited near the beginning of every year for 15 years, the value depends on the applicable PPF interest rates across those years.
Source and update note
Current small-savings rates are published by the Department of Economic Affairs, Ministry of Finance. The July-September 2026 quarter keeps PPF at 7.1% p.a. Official small-savings page.
India Post states a minimum annual deposit of ₹500, maximum annual deposit of ₹1,50,000 and a 15-year tenure. India Post - PPF information.
Last reviewed: 27 August 2026.
Frequently asked questions
Is 7.1% guaranteed for all 15 years?
No. The Government reviews small-savings rates quarterly. The calculator lets you change the rate.
What contribution limit does this calculator use?
The input is limited to ₹1,50,000 per year for this projection.
Will the actual PPF maturity match exactly?
Not necessarily. Actual interest depends on deposit timing and future government-notified rates.