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SALARY & TAX TOOLS
PPF Calculator: Assumed-Rate Projection
Explore year-by-year growth using a historical 7.1% default or your entered rate. Verify the latest government rate and account rules; this is not a guaranteed maturity amount.
Min ₹500 / Max ₹1.5L per year
Minimum lock-in: 15 years (extendable in 5-yr blocks)
Current: 7.1% (Q1 2025, govt-declared)
Maturity Amount
₹40.68 L
After 15 years at 7.1%
Summary
Balance Growth Over 15 Years
PPF and Tax Deductions
Section 80C eligibility depends on your regime and other qualifying payments within the shared limit. Do not treat a contribution as an automatic tax saving or compare post-tax returns without checking your circumstances.
Withdrawals and Account Rules
Partial withdrawals, premature closure and extensions have scheme conditions that this model does not assess. Confirm them with your account provider before planning access to the projected balance.
PPF vs EPF vs NPS
Compare scheme eligibility, contribution limits, access to funds, tax treatment and risk. A historical PPF or EPF rate is not a forecast; NPS returns are market-linked. This projection does not rank these investments.
How This Projection Works
The model assumes an annual contribution at the start of each modeled year and a constant interest rate. Actual PPF credits follow account-balance and deposit-timing rules, with rates notified for specific quarters. Your account statement can differ from this estimate.
A LITTLE MORE CLARITY
Frequently asked questions
Is 7.1% the current PPF interest rate?
This calculator uses 7.1% as a historical model default, not a verified current rate or a guarantee over the investment period. Check the government's small-savings rate notification for the relevant quarter and update the input.
What annual investment limits does the calculator assume?
The model uses ₹500 to ₹1,50,000 per year. Check the applicable PPF scheme rules and your account provider before depositing, including how limits apply across accounts. The calculator does not validate account eligibility.
How long is the PPF investment period?
The model starts with a 15-year period. Actual maturity is tied to the end of the financial year of account opening, and extension or withdrawal options have conditions. Verify your account's maturity date and current scheme rules.
Does a PPF contribution always reduce income tax?
No. Eligible PPF contributions can qualify within the shared ₹1.5 lakh Section 80C limit under the old regime; that deduction is not available under the new regime. Interest and maturity exemptions are separate from the contribution deduction, and this calculator does not calculate tax.
What if my residency status changes?
Do not use this calculator to determine eligibility to open, contribute to or extend a PPF account. Check current scheme rules with your account provider when residency changes; existing-account treatment can differ from new-account eligibility.
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Static model assumptions can differ from the applicable tax year, statutory rules, and your payroll structure. Figures are estimates; consult a qualified professional before relying on them.