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PPF Calculator

₹ INR - Indian Rupee ▼
₹
%
Yr
Total invested ₹1,00,000
Interest earned ₹12,000
Maturity amount ₹1,12,000
Total invested
Interest earned

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How to use PPF Calculator

On Verdant SIP (sip-calculator.net), this PPF calculator is framed for investors balancing SIP wealth creation with home-buying goals. Systematic Investment Plans for major life goals like a home down payment. Use for long-term mutual fund SIP planning in INR.

How PPF maturity is estimated

Public Provident Fund (PPF) is a long-term savings scheme. You can invest up to ₹1.5 lakh each financial year, and interest is compounded annually.

This calculator assumes a yearly deposit at the start of each year and applies the chosen interest rate annually through the tenure (minimum 15 years, with optional extensions).

Worked example

Investing ₹1.5 lakh every year for 15 years at about 7.1% can build a multi-lakh tax-efficient corpus. Change the rate if the government revises PPF interest.

Use the chart to separate total invested amount from interest earned over the full tenure.

PPF planning tips

Deposit before the 5th of the month when possible for that month’s interest eligibility under typical PPF rules.

PPF contributions may qualify for Section 80C benefits within overall limits—confirm current tax law before relying on deductions.

Figures on Verdant SIP are estimates for education only—not financial, tax, or investment advice. Confirm rates, fees, and terms with your lender or fund house.

Commonly Asked Questions

Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with tax benefits under Section 80C. You can invest up to ₹1.5 lakh per financial year. Interest is compounded annually and credited to your account.

PPF interest rates are set by the Government of India and reviewed quarterly. This calculator defaults to a commonly used recent rate (around 7.1% p.a.)—always confirm the latest notified rate before investing.

PPF has a 15-year tenure from the end of the year in which the account was opened. You can extend in blocks of 5 years. Partial withdrawals are allowed after certain years under specific rules.

PPF enjoys EEE status for most investors: contributions can get 80C deduction (within limits), interest is tax-exempt, and maturity proceeds are tax-free under current rules. Tax laws can change—verify with a professional.