The Public Provident Fund (PPF) remains one of India’s most popular sovereign-backed, tax-exempt savings schemes. This calculator models your year-by-year corpus accumulation, interest compounding, and 5-year block extension periods.
💰 PPF Projection Calculator — Statutory Monthly & Date-Specific Model
Calculates Public Provident Fund wealth accumulation incorporating initial lump sums, regular installment frequencies (up to 12 installments/year), and statutory monthly interest based on the 5th of the month timing rule under the Public Provident Fund Scheme, 2019.
PPF Calculator: Public Provident Fund Growth & Maturity Planner
📋 What, Why, and Who Should Use It?
🔍 What is this Calculator?
A government-backed savings calculator that computes interest accrual, annual growth, and total maturity corpus for 15-year Public Provident Fund accounts.
⚡ Why is it Useful?
Enables disciplined savers to model the Exempt-Exempt-Exempt (EEE) tax-free accumulation of capital and plan contributions before the 5th of each month.
👥 Who Should Use It?
Conservative long-term savers, parents building child funds, and individuals maximizing Section 80C tax deductions under the Old Tax Regime.
⚙️ How It Works & Calculation Formula
Interest is calculated on the lowest balance between the close of the 5th day and the end of each calendar month, compounded annually on March 31st at the prevailing government-declared interest rate (7.1% p.a.).
💡 Assumptions & Real-World Example
Assumes constant 7.1% annual interest rate throughout the 15-year tenure and deposits made on or before the 5th of each month to maximize monthly interest credit.
📌 FAQs
1. What is the current PPF interest rate? ▼
As of September 2026, the PPF interest rate is 7.1% per annum, compounded annually. Rates are reviewed quarterly by the Ministry of Finance.
2. What is the Exempt-Exempt-Exempt (EEE) tax status of PPF? ▼
EEE status means: (1) Contributions are tax-exempt under Section 80C up to ₹1.5 Lakhs (Old Regime), (2) Accrued annual interest is 100% tax-free, and (3) Full maturity proceeds are completely tax-exempt.
3. What is the minimum and maximum deposit in PPF? ▼
The minimum mandatory deposit is ₹500 per financial year, and the maximum deposit is ₹1,50,000 per financial year across all accounts held by an individual.
4. Why should I deposit money in PPF before the 5th of the month? ▼
Interest is calculated on the lowest balance between the close of the 5th day and the end of the month. Depositing on or before the 5th ensures you earn interest on that deposit for the entire month.
5. What is the maturity period of a PPF account? ▼
A PPF account matures after 15 complete financial years from the end of the year in which the account was opened (effectively 16 calendar years).
6. Can I extend my PPF account after 15 years? ▼
Yes. You can extend your PPF account indefinitely in blocks of 5 years. You can choose to extend with fresh contributions or without fresh contributions (where existing balance continues to earn interest).
7. Are partial withdrawals allowed from a PPF account? ▼
Yes. Partial withdrawals are permitted starting from the 7th financial year, capped at 50% of the account balance at the end of the 4th preceding year or the preceding year, whichever is lower.
8. Can I take a loan against my PPF balance? ▼
Yes. You can take a loan between the 3rd and 6th financial year of opening the account, up to 25% of the balance at the end of the second preceding financial year, at an interest rate 1% above the PPF rate.
9. Can Non-Resident Indians (NRIs) open a PPF account? ▼
NRIs cannot open fresh PPF accounts. However, if an account was opened before becoming an NRI, the account can be maintained until its 15-year maturity on a non-repatriation basis without further extensions.
10. Can a PPF account be attached by a court decree for debt recovery? ▼
Under the Public Provident Fund Act, the balance in a PPF account cannot be attached by any court decree or order in respect of any debt or liability incurred by the account holder.
