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PPF Calculator

Explore an annual or monthly deposit schedule and see why deposit timing changes the illustration.

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01 / YOUR ASSUMPTIONS

Make the numbers yours.

Results update as you edit. Use Calculate to check all fields. Rates are editable illustrations; enter a provider quote only where applicable.

₹
years
% p.a.
YOUR ILLUSTRATION, READY TO KEEP

A report with the full picture.

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SEE THE PATHIllustrative, not a forecast

Deposits and illustrative PPF balance

INR 40.7 LINR 27.1 LINR 13.6 LINR 0Year 0Year 7.5Year 15Contributed / depositedIllustrative value

Illustrative constant-rate path. Real market returns vary; this is not historical performance.

Contribution and growth

100%
  • Contributed / deposited₹22,50,000 55.3%
  • Illustrative growth₹18,18,209 44.7%
CHANGE THE ASSUMPTION

Annual versus monthly deposits

Same annual total, assumed rate and selected deposit-day convention. Future quarterly rates can change.

Full amount in April₹40,68,209
Twelve equal monthly deposits₹39,44,599
FOLLOW THE NUMBERS

Year-by-year illustration

Projection FYCumulative depositsCumulative interestProjected balance
1₹1,50,000₹10,650₹1,60,650
2₹3,00,000₹32,706₹3,32,706
3₹4,50,000₹66,978₹5,16,978
4₹6,00,000₹1,14,334₹7,14,334
5₹7,50,000₹1,75,701₹9,25,701
6₹9,00,000₹2,52,076₹11,52,076
7₹10,50,000₹3,44,524₹13,94,524
8₹12,00,000₹4,54,185₹16,54,185
9₹13,50,000₹5,82,282₹19,32,282
10₹15,00,000₹7,30,124₹22,30,124
11₹16,50,000₹8,99,113₹25,49,113
12₹18,00,000₹10,90,750₹28,90,750
13₹19,50,000₹13,06,643₹32,56,643
14₹21,00,000₹15,48,515₹36,48,515
15₹22,50,000₹18,18,209₹40,68,209
A NUMBER WORTH UNDERSTANDING7.10% p.a.

Published PPF interest rate

1 October–31 December 2026
WHAT THIS NUMBER MEANS

The published quarter’s rate is not a promise for the full projection horizon.

Published byIndian Bank — Government small-savings rate table
Source last checked4 Nov 2026
Read the original source Industry or scheme context, separate from your personal calculation.
KNOW WHAT YOU ARE CALCULATING

Want to understand PPF?

A simple guide with a worked example, practical limitations and linked references. Read it before turning an illustration into a decision.

Read the PPF guide →766 words · General education · Prasar Knowledge Studio
HOW THE ILLUSTRATION WORKS

Formula, timing and limits.

Interest is modelled on eligible monthly balances and credited at financial year-end. Monthly equal deposits receive a different weighted first-year contribution than one early-April deposit.

  • Financial-year model: annual deposit in April or twelve equal monthly deposits; interest credit at year-end. By the 5th earns that month’s interest; after the 5th starts next month. Opening-year maturity timing, partial withdrawals and changing future rates are not modelled.
  • A constant user-selected rate is an illustration only. This is not an account eligibility, extension or maturity-date determination. Confirm current scheme rules and provider deposit processing.
Read before acting

PPF rates can change. A fixed rate across the selected horizon is hypothetical. This model excludes opening-year maturity-date rules, withdrawals, loans and eligibility. Check official scheme terms; a projection is not confirmation of maturity or account entitlement.

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