PPF Calculator

Ask an Expert to Buy Life Insurance

We're happy to know that you're prioritizing your family's future. Our life insurance expert will assist you in finding the best insurance plan. To schedule a call, please share some of the below details.

Enter Name

Enter Mobile

Enter E-mail

What’s your gender?

Male

Female

Other

Request Type

Select

Request Type

Select

Request Type

Select

What is a PPF Calculator?

Public Provident Fund (PPF) is a popular government tax-saving investment scheme that offers risk-free, long-term investment, guaranteed returns plus tax-savings. If you want to know how much your PPF investments will yield in the long-term, the Public Provident Fund calculator can give you an accurate value.

A PPF calculator is a reliable tool to determine long-term returns on your PPF investments. You make PPF investments keeping specific financial or life goals in mind. But often, it is difficult to estimate how much to invest, for how long, and whether the maturity amount will match your expectation.

The PPF calculator shows you the maturity amount, i.e., investment plus interest. It can also help you determine the investment amount and duration required to give you the returns you require. All within seconds!

Plans that may interest you!

IndiaFirst Life Super Protection Plan

Product Image
Product Name
Dropdown Field: Term Plan
Product Description: Protect your family’s happiness & future with our most flexible term plan. Buy this term life insurance and give your loved ones the financial security they deserve.
Product Benefits: Option to get your money back (Return of Premium- ROP)
Flexibility to pay premiums at your convenience
Lifetime protection till age 99 years
Sum Assured as lumpsum or monthly instalments
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Learn More

IndiaFirst Life Plan

Product Image
Product Name
Dropdown Field: Tax Saving
Product Description: A protection plan for your family that helps them stand independently! IndiaFirst Life Plan gives your family a financial cushion to fall back on in your absence.
Product Benefits: Flexibility to choose the duration
Family will receive the payout
Flexibility to choose the assured amount
Long term protection
Tax* benefits
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Learn More

IndiaFirst Life Radiance Smart Invest Plan

Product Image
Product Name
Dropdown Field: Investment
Product Description: Have you heard of a plan that not only gives you a life cover but also helps in wealth creation? Enjoy 2 benefits in 1 plan with IndiaFirst Life Radiance Smart Invest Plan.
Product Benefits: Zero Fund allocation charges
10 different funds to choose from
3 plan options to achieve your investment goals
100% money invested for higher returns
Life cover charges returned at the end of policy year
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Learn More

IndiaFirst Life Guarantee of Life Dreams Plan

Product Image
Product Name
Dropdown Field: Guaranteed Returns
Product Description: Wouldn't it be wonderful if we had a second source of income to support our dreams? Here is a way to make your dreams come true where you can start earning an income from the end of the 1st month itself.
Product Benefits: Choice of 3 income Options
Guaranteed Long-Term Income
Life Insurance Cover
Benefits of long-term Savings.
Protection even if you miss one premium.
Tax benefits
Porduct Detail Page URL: Get Quote
Product Buy Now URL and CTA Text: Learn More

How to use PPF calculator?

Step 1

Fill up the values

Payment frequency and investment amount.

Step 2

Toggle the duration bar

to gauge the returns earned as per the tenure.

Step 3

PPF interest rate

Calculator automatically determines the maturity value basis the prevalent interest rate (i) (Rate of interest is set by the government, every quarter, 7.1% is the current rate considered for calculating returns.)

Step 4

Select Investment duration

Maturity value is given as a breakdown of principal amount invested plus total interest earned over the tenure.

How do Retirement Calculators work?

What is the formula to calculate PPF Amount ?

The PPF interest rate calculator compounds interest annually as per the financial year, using the following formula:

F = P[({(1 + i) ^ n}-1)/i]

Where:

F = Maturity proceeds of the PPF
P = Annual instalments
n = Number of years
i = Rate of interest/100

Assuming you make an annual payment of Rs.1,00,000 for 15 years at 7.1%, your maturity value at the end of that tenure would be Rs. 31,17,276.

What are the Advantages of PPF Calculator?

Financial Planning

By accurately estimating the returns on your PPF investments, the PPF calculator gives you the confidence to plan for long term goals.

Convenience

The PPF maturity calculator helps you decide the investment tenure to get the desired returns. Post the stipulated 15-year maturity, you have the option of withdrawal or extension for up to 50 years.

Track Capital Growth

The PPF interest rate calculator automatically calculates returns basis the prevailing interest rate, saving you the bother of keeping track of changing interest rates.

Tax Planning

Deposits made in the PPF are eligible for deduction under Section 80C of the Income Tax Act subject to fulfilment of conditions stipulated in the section.

Knowledge Center

Blogs Podcasts Videos

View All

life insurance

What Are Financial Assets? Types, Examples and Key Benefits

IndiaFirst Life • 10 Jun, 2026

retirement

How to Unfreeze Your NPS Account Online and Reactivate It Easily

IndiaFirst Life • 10 Jun, 2026

investment

What is an Auto Sweep Account and How Does It Work?

IndiaFirst Life • 10 Jun, 2026

Financially Speaking ft. Bikash Choudhary

By Bikash Choudhary • 01 Dec, 2023

Financially Speaking ft. Dr Poonam Tandon

By Poonam Tandon • 01 Dec, 2023

Financially Speaking ft. Munish Bhardwaj

By Munish Bhardwaj • 05 Aug, 2023

IndiaFirst Life Insurance | Zimmedariyaan Humse Baantiye, Halka Lagega

IndiaFirst Life • 14 Nov 2025

IndiaFirst Life | Create a Guaranteed 7X Legacy for Your Family!

IndiaFirst Life • 13 Sep 2023

IndiaFirst Life | Your retirement will be carefree and light when planned with wisdom and foresight

IndiaFirst Life • 01 Mar 2023

View All

Frequently asked questions

What is the maximum PPF limit?

Answer: You can invest a maximum of Rs. 150,000 per financial year.

Can I increase my PPF amount?

Answer: Yes, you can increase your PPF amount as long as it does not exceed Rs. 150,000 per financial year.

How much interest do we get from PPF?

Answer: The prevalent interest rate (which is government controlled) is currently at 7.1% compounded annually.

Can I transfer my PPF account to another branch or office?

Answer: Yes, you can transfer your PPF account across bank branches and post offices across the country.

What is the minimum lock-in period for PPF?

Answer: The minimum lock-in period for PPF is 15 years.

What happens to PPF after 15 years?

Answer: Upon completion of 15 years, the entire investment amount and interest can be credited to your savings account. Alternatively, you can extend the investment for up to 50 years in blocks of 5 years, with or without fresh deposits.