PPF Calculator
Public Provident Fund maturity, deposits and interest at the current notified rate.
At maturity
- You deposit
- ₹22,50,000
- Interest earned
- ₹18,18,209
- 7.1% is the rate notified for 1 July – 30 September 2026. The government resets it every quarter, so the real figure will move.
- Assumes one deposit by 5 April each year, which earns interest for the whole year.
Your deposits
How is this calculated?
Balance at the end of each year = (last year’s balance + this year’s deposit) × (1 + r)
r = yearly rate ÷ 100, with one deposit made by 5 April each yearRuns in your browser — nothing you enter leaves this device.
An estimate that assumes the current rate stays the same for every year. The rate is reset each quarter. Not financial advice.
About this tool
What it does
This calculator shows what a Public Provident Fund account will be worth when it matures, how much of that you paid in, and how much is interest. It starts at the interest rate the government has notified for the current quarter, which you can change to try other rates. The account runs for 15 years, and after that it can be extended in blocks of five years.
How to use it
- Set how much you will deposit each year, from ₹500 up to the ₹1,50,000 limit.
- Leave the rate at the notified figure, or change it to see how a higher or lower rate would affect the result.
- Choose the number of years: 15, or more in steps of five for an extended account.
- The maturity amount, your total deposits and the interest earned update as you type. The chart shows the balance growing year by year.
- Copy the link to keep or share this exact plan.
Limits and your data
- The Ministry of Finance sets the PPF rate every quarter. The calculator applies one rate to every year, but the real rate will change over 15 years, so treat the result as an estimate rather than a promise.
- It assumes you make a single deposit by 5 April each year. Interest is worked out on the lowest balance between the 5th and the end of each month, so money paid in later in the year earns less than this shows.
- It does not work out tax, loans against the account or partial withdrawals.
- It does not handle an account extended without fresh deposits. That account keeps earning interest on its balance, but no new money goes in.
- The calculation runs entirely in your browser, and nothing you enter is sent anywhere. Your figures appear only in the page address, so a link you share opens with the same plan.
Questions
What is the PPF interest rate now?
It is 7.1% a year for 1 July to 30 September 2026, the rate notified by the Department of Economic Affairs, and it has not changed for nine quarters. The government announces the rate for the next quarter shortly before the quarter begins.
Why does the date I deposit matter?
Interest is worked out each month on the lowest balance between the 5th and the last day of the month. A deposit made after the 5th misses that month’s interest, so depositing by 5 April gives your money a full year of interest.
How long does a PPF account last?
It matures after 15 complete financial years. You can then close it, or extend it in blocks of five years, with or without new deposits.
Is the maximum still ₹1,50,000 a year?
Yes. You can deposit between ₹500 and ₹1,50,000 in a financial year. Anything above the limit earns no interest.