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PPF Calculator: Calculate Your Returns on Public Provident Fund

PPF Calculator: Calculate Your Returns on Public Provident Fund

The Public Provident Fund (PPF) is one of the most popular long-term savings options in India, offering guaranteed returns, tax benefits under Section 80C, and risk-free compounding. But before you invest, wouldn’t you like to know how much your PPF investment will grow over 15 years or more?

That’s where a PPF Calculator comes in handy. At IndiaLends, we provide simple and accurate tools to help you calculate your PPF maturity value, interest earned, and future corpus—so you can plan your finances better.

What is a PPF Calculator?

A PPF Calculator is an online tool that helps you estimate the maturity amount you’ll receive at the end of your investment period. It uses inputs like:

Annual contribution amount
Duration of investment (15 years, extendable in blocks of 5 years)
Government-declared interest rate (currently ~7.1% p.a.)

👉 Check the latest PPF interest rates on the Ministry of Finance website.

How Does the PPF Calculator Work?

The calculator uses the PPF formula:

A = P * ( (1+i)^n – 1 ) / i

Where:

A = Maturity Amount
P = Annual Investment
i = Interest Rate / 100
n = Number of years

For example:
If you invest ₹1,50,000 annually for 15 years at 7.1% interest, your maturity amount will be approx. ₹40+ lakh.

Matrix-Driven Guide: PPF Calculator Scenarios

Annual Investment	Duration	Interest Rate	Estimated Maturity
₹50,000	15 years	7.1%	~₹13.6 lakh
₹1,00,000	15 years	7.1%	~₹27.2 lakh
₹1,50,000	15 years	7.1%	~₹40.8 lakh
₹1,50,000	20 years (extended)	7.1%	~₹66.6 lakh

📌 Tip: The earlier you start, the more compounding benefits you gain.

Benefits of Using a PPF Calculator

✅ Helps in financial planning
✅ Estimates maturity corpus instantly
✅ Compares different investment amounts
✅ Calculates tax-saving benefits under Section 80C
✅ Assists in deciding whether to extend PPF beyond 15 years

IndiaLends PPF Calculator

Use our PPF Calculator to:

Enter your investment amount and duration
Get instant results on maturity value
Compare scenarios with different deposits

This helps you plan for retirement, child’s education, or marriage without guesswork.

IndiaLends Insight

While PPF is a safe and tax-efficient way to grow wealth, it comes with a 15-year lock-in period. If you need short-term liquidity, consider an instant personal loan from IndiaLends—offering quick approval, minimal documentation, and flexible repayment.

Frequently Asked Questions (FAQs)

1. Is the PPF calculator accurate?
Yes, it uses the official government-declared interest rate and standard PPF formula to calculate maturity.

2. Can I calculate PPF for more than 15 years?
Yes, the calculator also shows estimates for extensions in blocks of 5 years.

3. Does the calculator include tax benefits?
The maturity amount is tax-free, and contributions qualify for deduction under Section 80C.

4. Can I calculate for a minor’s PPF account?
Yes. Since contribution rules are the same, you can use the calculator for minor accounts too.

5. Does the interest rate remain fixed?
No. The government revises rates quarterly. The calculator assumes the current rate (~7.1%).

Apply Now

Want to know how much your PPF investment will grow? Try the IndiaLends PPF Calculator and plan your financial future smartly.

Need urgent funds instead of waiting for 15 years? Get an instant personal loan from IndiaLends to cover your immediate financial needs.