PPF Calculator
Illustrate a PPF balance using an annual contribution, one stated rate, and a stated horizon.
Invested
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Interest
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Maturity
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How this PPF calculator works
Enter a yearly contribution, the stated annual rate, and the period. The calculator assumes one deposit at the start of each year and annual compounding. It is a simplified projection, not an account statement.
Important timing limitation
PPF interest is calculated under account rules that consider monthly eligible balances, while the applicable rate is reviewed quarterly. Use the official source below to check the applicable rate and account rules.
Longer horizons
The route accepts horizons beyond 15 years as an illustration. It does not establish whether a particular account can be extended or how an extension should be operated.
Methodology and statutory scope
- Method version
ppf-q2-fy2026-27-v1- Class
- B / R3
- Jurisdiction
- IN
- Effective rule period
- 2026-07-01 to 2026-09-30
- Source status
- official sources verified 2026-08-25 by agent source verification at owner direction; constants unchanged; no qualified professional sign-off recorded
- Rounding
- Keep full precision through the calculation; round displayed INR only.
- Review trigger
- DEA quarterly interest-rate notice, PPF Scheme, contribution-limit, or methodology change
- Rule as of
- 2026-08-25
- Review due
- 2026-09-25
- Rule verification state
- verified
Formula: Illustrative annual opening-of-year deposit: balance = (balance + annual contribution) × (1 + annual rate).
Educational boundary: General education only; not a bank or post-office account calculation, tax advice, or product recommendation.
Included: Annual contribution from ₹500 to ₹1.5 lakh; Single stated annual rate; Annual opening-of-year deposit assumption
Excluded: Monthly deposit timing; quarterly rate changes; withdrawals, loans, extensions and tax deductions
Official sources checked:
Manifest primary source: Revision of Interest Rates for Small Savings Schemes (Q2 FY 2026-27, unchanged)
- A simplified projection, not a PPF account statement.
- Actual PPF interest is calculated on the monthly eligible balance and rates are revised quarterly; this tool uses one stated annual rate and one opening-of-year annual deposit.
- Withdrawals, loans, account opening date, extension rules, tax eligibility and deposits above the statutory limit are excluded.
Frequently Asked Questions
What is the current PPF interest rate?
The government sets PPF rates quarterly. The default 7.1% is the official Q2 FY 2026-27 rate in the methodology source. This calculator uses one stated annual rate, so check the current quarterly notice and your account terms before relying on a projection.
How much can I invest in PPF each year?
The statutory annual contribution range is ₹500 to ₹1.5 lakh. This model accepts only that range and assumes one opening-of-year deposit; it does not calculate monthly instalment timing or tax treatment.
What is the PPF lock-in period?
PPF has a statutory maturity and extension framework, but this projection does not determine your account’s opening-date maturity, withdrawal, loan, or extension eligibility.
Does this calculator calculate tax benefits?
No. Tax eligibility depends on the applicable tax rules and the reader’s circumstances. This calculator deliberately does not compute a deduction, exemption, or tax outcome.
Why can my PPF account result differ?
Actual PPF interest is calculated on monthly eligible balances and rates can change quarterly. This illustration instead assumes one annual opening-of-year deposit at a single stated rate.
Disclaimer: This calculator produces illustrative estimates only. Actual returns vary and, unless stated otherwise, results exclude expense ratios, exit loads, transaction costs, and taxes. Assumed rates are inputs, not forecasts or assured returns. This is educational content, not personalized investment advice — see our full disclaimer.