PPF Contribution & Interest Projection
Model PPF-style interest accrual under an editable rate assumption. Compare deposit frequencies and whether contributions qualify for the current month's interest, without treating the default rate as a current official quote.
Browser-based · No signup · Transparent assumptions
- 01Enter your values
- 02Adjust your settings
- 03Review your results
Enter PPF details to begin
Your maturity value, tax-free interest, Section 80C savings, and FD comparison will appear here.
| Year | Invested | Interest | Balance |
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Enable only if the selected contribution qualifies under your tax regime and available limits. Not an eligibility check.
Calculations run in this browser. A Share link contains input values in its URL; review it before sharing private financial or health information. Currency selection changes notation, not exchange rates.
When to use this calculator
Compare monthly and annual PPF contribution timing under one assumed interest rate. Review the annual credit schedule and total contributions; the projection does not predict future notified rates or determine deduction eligibility.
Review the worked example and assumptions below, then use the supported report or copy controls to keep the result with its inputs. Calculations run in this browser; a shared URL can include the values you entered.
How to use PPF Contribution & Interest Projection
- Enter an annual contribution from INR 500 to INR 150,000 and an assumed annual rate.
- Choose the projection term/frequency and whether deposits are made by the fifth day or afterward.
- Review annual interest credit and the schedule. Enable the deduction illustration only if applicable to your regime and remaining eligibility.
Interest accrues monthly but is credited annually
The model starts at a financial-year boundary, accrues rate/12 against each eligible monthly balance and adds accrued interest at year-end. A deposit after the fifth day is excluded from that month's eligible balance. The same assumed annual rate is used throughout, while real notified rates can change.
Worked example
Annual contribution: INR 12,000; rate: 6%; one modeled year
Annual deposit by the fifth day of the first month: interest INR 720
Same deposit after that day: interest INR 660
This is a timing example, not an official rate quote.Assumptions and limits
Opening-year partial periods, changing notified rates, loans, withdrawals and extensions are not fully modeled. Statutory maturity is tied to complete financial years, not simply a duration from today. One-time contribution mode is only a mathematical illustration and may not satisfy ongoing contribution requirements. Tax deductions are not automatic.
Reference: National Savings Institute PPF scheme information. Model/source review: 19 October 2026. Results are illustrations or screening estimates; no personalized recommendation or eligibility decision is made.
Frequently asked questions
Is the default 7.1% guaranteed for the entire term?
No. It is an editable constant assumption. Check the latest official rate and applicable period.
Why did the result change from monthly compounding?
PPF-style interest is accrued on eligible monthly balances and credited annually, so interest is not compounded into the balance every month.
Does everyone receive an 80C deduction?
No. Eligibility depends on the applicable regime, limits and other claims. The tax-saving illustration is off until explicitly enabled.
Read this as a labeled scheme illustration
Inspect the entered rate, modeled years and contribution pattern before saving a result. Keep those assumptions with the output.
Scope of this workflow
The model does not automatically apply changing notified rates or every scheme rule. A one-time contribution illustration does not establish eligibility or fulfillment of ongoing requirements.
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