India PPF (Public Provident Fund) Calculator

Year-by-Year Growth Projection

● Total Investment   ● Total Value

Year-wise Projection (15 Years)

01

What is a Public Provident Fund (PPF)?

PPF is a Government of India–backed long-term small-savings scheme designed to help individuals build a tax-efficient retirement or long-term corpus.

• An account normally runs for 15 financial years and can be extended in blocks of five years.
• Deposits may be made as a lump sum or in instalments, subject to the notified annual minimum and maximum.
• Interest is calculated under the scheme rules and credited annually. The calculator provides an estimate, not an official account statement.
• The account combines sovereign backing, long-term compounding and tax treatment under the rules applicable to the investor.

02

PPF eligibility and account ownership

A resident individual may generally open one PPF account in their own name and may also open an account as guardian for a minor, subject to scheme rules.

• Joint PPF accounts are not permitted.
• A minor’s account is operated by the parent or legal guardian until the child becomes eligible to operate it.
• Non-resident and HUF eligibility is governed by the current scheme and transition rules; confirm your specific status with the provider.
• Contribution limits may apply across an individual’s own account and accounts operated for minors.

03

PPF rules, deposits and tenure

PPF follows notified deposit, nomination, maturity and extension rules. Keeping the account active requires meeting the minimum annual contribution.

• The standard maturity period is 15 financial years, calculated according to the account-opening rules.
• Deposits above the permitted annual ceiling do not receive normal PPF benefits.
• A discontinued account may usually be revived by paying the prescribed arrears and penalty, subject to current rules.
• At maturity, the holder may close the account, retain it without further contributions, or extend it in five-year blocks where permitted.

04

How the PPF interest rate works

The Government notifies the PPF interest rate periodically. Interest is calculated using the balance rules for the relevant month and is credited at the end of the financial year.

• This calculator assumes one constant annual rate for the whole projection so scenarios are easy to compare.
• Actual future maturity values can differ because notified rates may change during the tenure.
• Depositing earlier within the permitted monthly window can affect the balance eligible for that month’s interest.
• Annual compounding means credited interest becomes part of the balance used for later growth.

05

Partial withdrawal and premature closure

PPF is intended for long-term saving, but the scheme permits limited access in specified circumstances and after prescribed holding periods.

• Partial withdrawals become available only after the qualifying period and are subject to a formula-based limit.
• Premature closure is restricted to permitted grounds and may involve an interest adjustment.
• Documentation may be required for medical, educational or residency-related grounds.
• Check the latest provider form and scheme notification before relying on a withdrawal for a time-sensitive expense.

06

Loan facility against a PPF balance

A PPF loan may be available during a limited window in the early years of the account. Eligibility and the maximum amount depend on the qualifying balance.

• The loan facility is available only during the period specified by the scheme.
• The maximum loan is linked to the balance at the end of a prescribed earlier financial year.
• Principal is repaid first, followed by the applicable loan interest.
• An outstanding loan can affect eligibility for another loan, so confirm the repayment status before applying.

07

Transferring a PPF account

A PPF account can generally be transferred between eligible banks and post offices without closing the account or resetting its original opening date.

• Start the request with the current provider or the receiving provider using the prescribed transfer process.
• The existing account record, nomination and balance are transferred after verification.
• Keep copies of the transfer request, passbook and acknowledgement until the receiving provider confirms completion.
• A transfer is different from opening a second account; avoid duplicate active accounts.

What your result means

This India PPF (Public Provident Fund) Calculator translates the values you enter into a practical planning estimate. Review the headline result together with the comparison cards and supporting metrics.

The live result above currently shows ₹40,68,208. Change the inputs and compare scenarios to see how sensitive the estimate is.

How this calculator works

The calculator applies the standard public provident fund relationship to the current inputs. Results recalculate immediately whenever a value changes.

The live result above currently shows ₹40,68,208. Change the inputs and compare scenarios to see how sensitive the estimate is.

Assumptions and factors not included

The estimate does not automatically include every fee, rule, timing difference or personal circumstance. Confirm the assumptions and any India-specific requirements before acting.

The live result above currently shows ₹40,68,208. Change the inputs and compare scenarios to see how sensitive the estimate is.

How to use the estimate

Use realistic inputs, compare more than one scenario and keep a copy of the result. Revisit the calculation whenever your circumstances or the applicable rules change.

The live result above currently shows ₹40,68,208. Change the inputs and compare scenarios to see how sensitive the estimate is.