What this estimate uses
Annual investment, Interest rate (p.a.), Investment period.
Savings calculator
PPF Calculator India: 15-Year Maturity 2026
How could your PPF balance grow?
Project PPF maturity from annual contributions, rate and investment period.
Your estimate
Live result
Maturity value
—How it works
A useful estimate, with the assumptions out in the open.
The full annual contribution is deposited at the start of each year and receives a full year of interest. The entered rate stays constant, although the Government can revise the actual PPF rate quarterly.
This result is an educational estimate. Rates, taxes, fees, product rules, and market returns can change.
India-focused guide
How much can annual PPF deposits grow to after 15 years?
Enter an annual PPF deposit, rate and period to estimate total contributions, interest and maturity. The model assumes each yearly deposit receives a full year of interest.
Important assumption
The full annual contribution is deposited at the start of each year and receives a full year of interest. The entered rate stays constant, although the Government can revise the actual PPF rate quarterly.
Created and maintained byAll Tool Central
Formula and content reviewed16 October 2026
See how estimates are builtCalculation methodology
Detailed guide
Understand the result before using it.
This PPF calculator projects annual contributions over the 15-year term or a five-year extension. It uses the rate entered by the user and assumes the full annual contribution receives a full year of interest.
What the PPF estimate assumes
The model adds the annual contribution at the beginning of each year and then applies annual interest. This is a planning simplification that broadly represents depositing early enough for the full year, not a transaction-level PPF passbook calculation.
Under the PPF rules, interest eligibility is based on the lowest balance between the close of the fifth day and month-end, and interest is credited annually. The Government can revise the notified rate quarterly; the calculator holds your entered rate constant.
FormulaYear-end balance = (opening balance + annual contribution) × (1 + entered annual rate)
Example: 15 years at a constant 7.1%
India Post displays 7.1% a year, compounded yearly, as of this review. Actual future rates may change, so the table is a constant-rate illustration rather than a maturity promise.
| Annual contribution | Total contributed | Estimated maturity | Estimated interest |
|---|---|---|---|
| ₹50,000 | ₹7.50 lakh | ₹13.56 lakh | ₹6.06 lakh |
| ₹1,00,000 | ₹15.00 lakh | ₹27.12 lakh | ₹12.12 lakh |
| ₹1,50,000 | ₹22.50 lakh | ₹40.68 lakh | ₹18.18 lakh |
Contribution limits and timing matter
The official scheme provides for a minimum annual deposit of ₹500 and a maximum of ₹1.5 lakh in a financial year. Depositing after the fifth day of a month can change the interest-eligible balance for that month.
This page does not model monthly deposits, missed-year penalties, loans, partial withdrawals or account-specific extensions. Those features should be checked against the current scheme rules and the account provider’s records.
How to use the rate input
- Use the currently notified rate for a simple present-rate scenario.
- Run a lower-rate scenario because future quarterly notifications can change the return.
- Treat the start-of-year assumption as depositing early, not as a guaranteed credit date.
- Use the official passbook balance for an existing account rather than reconstructing it here.
Common questions
Frequently asked questions
What PPF rate does this calculator use?
The default is 7.1%, matching the India Post rate displayed at the review date. The field is editable because the Government can revise PPF rates quarterly.
Why does deposit timing affect PPF interest?
The scheme uses the lowest balance between the close of the fifth day and the end of each month for interest eligibility. Depositing early in a month can therefore matter.
Does the calculator support PPF extension?
Yes. The period can be increased in five-year steps for projection purposes. Confirm the current extension procedure and contribution rules with the account provider.
Is the estimated maturity guaranteed?
No. It is correct for the entered constant rate and the calculator’s deposit-timing assumption. Actual future PPF rates and transaction dates can produce a different maturity.
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