Understanding PPF Calculator
Public Provident Fund (PPF) is a government-backed, long-term savings scheme popular for retirement and tax planning. Interest is compounded annually, and the EEE tax treatment makes it attractive for many Indian savers.
How this calculator works
Enter annual deposit (up to the statutory limit), tenure (minimum 15 years), interest rate, and optional 5-year extension blocks. The calculator projects maturity value and interest earned.
Example
Depositing ₹1.5 lakh every year for 15 years at the prevailing PPF rate builds a meaningful tax-efficient corpus — extensions can grow it further if you do not need the money at year 15.
Practical tips
- Deposit before the 5th of the month when possible for interest benefit conventions used by many banks/post offices.
- Use PPF as the debt/safety bucket of your overall portfolio.
- Track the notified interest rate each quarter.
Limitations
PPF rates are set by the government and can change. Liquidity is limited during the lock-in period.
Need help applying these numbers to your situation? Request a free consultation with Smart Wealth Hub in Ahmedabad, or explore our financial services.