PPF Calculator Online

Investment per year
Time Period (Y)
Rate of Interest % (p.a)

All about the Public Provident Fund (PPF) Calculator

A PPF calculator is an online tool that helps you calculate the value of your investment in a Public Provident Fund (PPF) over a certain period of time. With the help of the Kuvera PPF calculator, you can avoid complications with the calculation of total interest and maturity sum.

You can use the online Kuvera PPF Calculator to figure out your possible returns based on the investment period and the current interest rate.

What Is A PPF (Public Provident Fund)?

The PPF Account, or Public Provident Fund Scheme, is one of the most popular long-term savings and investment options due to its combination of safety, returns, and tax advantages.

Interest Rate: The interest rate on PPF is revised by the government on a quarterly basis. The current interest rate is 7.1%.

Lock-In Period: A PPF account comes with a maturity period of 15 years, which can be extended in blocks of five years.

Investment: In a year, the minimum investment amount is Rs. 500 and the maximum investment per annum is Rs. 1,50,000.

How to Use the Kuvera’s PPF Calculator?

The online Kuevra PPF account calculator has a simple and easy-to-understand interface.You only need to fill in the following details in the appropriate fields, and the Kuvera PPF calculator will immediately give you information about the maturity amount, interest earned, total amount invested, etc.

  • Investment Tenure: The minimum investment term is 15 years, with a provision to extend in blocks of five years.

  • Investment Frequency: You have the option of selecting the frequency of deposits, which may be monthly, quarterly, semiannually, or annually.

  • Deposit amount: Enter the total amount of money you want to invest in your PPF account.

  • Interest rate: The current interest rate is 7.1% per annum (compounded yearly). Every three months, the interest rate on PPF accounts is reviewed. Therefore, the calculator will automatically use the current interest rate.

How Is PPF Interest Calculated?

With the help of the online Kuvera PPF Calculator, a person can easily calculate their PPF interest and the amount they will have at the end of a certain time period.

The interest in PPF is determined using a simple equation. The formula has been expressed below:

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


F = Maturity Value

P = Annual Payments

i = Interest Rate

n = Number of years

For instance, if you make annual contributions of Rs 1 lakh to your PPF account for 15 years at 7.1%, your maturity proceeds would be Rs 27 lakhs at the end of 15 years.

Advantages of using the Kuvera’s PPF Calculator?

An investor can use the PPF calculator by visiting our website and entering the investment amount and time period. Using the Kuvera PPF interest calculator to project potential returns can be helpful for the following reasons.

  • The Kuvera PPF interest calculator provides an estimate of the amount of interest that can be earned based on the principal in hand.

  • It helps the investor to understand how long the investment should be held to fulfil the investment objective.

  • The Kuvera PPF maturity calculator provides the investment schedule in advance (as shown above), which facilitates the planning of the annual amount to be invested, the loan that can be availed, and the amount that may be withdrawn.

  • Since this is automated, there is no need for manual calculations, and errors can be avoided.

  • The calculator can be used during the tax planning stage to help you plan your investments.

PPF Account Features and Benefits

Introduced in 1968, the sole aim of this scheme was to offer investors a way to save money and grow their wealth over time with high returns. The Public Provident Fund (PPF) is backed by the Government of India. It is therefore one of the most secure investment solutions available to individuals.

Opening a PPF account

Opening a PPF account is a simple process. The only requirement is the submission of an application along with KYC, address, and identity proof. You can open a PPF account at the Post Office or any other Nationalised Bank. A few private banks are also authorised to provide PPF account opening services.

Minimum and Maximum Investment

An individual can open a PPF account with as little as Rs. 100. In a year, the minimum investment amount is Rs. 500 and the maximum investment per annum is Rs. 1,50,000.

This contribution limit applies to both minors and adults. The maximum amount that can be invested in PPF is up to Rs 1.5 lakh per year and the interest earned on it is tax-free.


The total tenure for a PPF account is 15 years. After that, one can extend it for five years at a time. Investors can also avail a loan against their PPF account.

Some Benefits Of PPF

  1. Risk-free, guaranteed returns: Due to the fact that the government insures PPF investments, the risk component is substantially reduced.

  2. PPF tax benefits: Any investment up to Rs 1.5 lakh in a year into a PPF account is eligible for tax benefits under section 80C of the Income Tax Act. PPF falls under the Exempt-Exempt-Exempt (EEE) category. Thus, the principal invested, interest earned, and proceeds received at maturity are all exempt from taxation.

  3. Loan Facilities: Investors can also avail of a loan against their PPF account. From the third to the sixth year after the account is opened, an investor is permitted to take a loan against the PPF account.

  4. Tenure Flexibility: PPF accounts mature after 15 years. When an account reaches maturity, you may either withdraw the full balance and close the account, or you can extend it for an additional five years with or without additional contributions.

Why invest in PPF?

PPF is an excellent choice for investors who are looking for:

  • Assured profits

  • Risk-free investments

  • Long-term investments.

Any Indian citizen can open a Public Provident Fund Account (PPF). A guardian can opt for PPF on behalf of a minor. The account offers a 7.1% interest rate that is compounded yearly. PPF investments can be made for as little as Rs. 500 and as much as Rs. 1.5 lakh in one fiscal year. The scheme also provides a number of tax advantages.

Should you invest in a PPF scheme?

Any investor that is looking for a secure and safe investment option may choose to invest their money in the PPF because of its advantages.

An investor may utilise the PPF amount to secure their retirement, create a strategy for long-term investing, get tax benefits throughout the whole investment process, and also mitigate the negative effects of market volatility.

PPFs have a lock-in period of 15 years, but they also permit the facility of partial withdrawals and borrowing. Investments in Public Provident Fund have a little risk of loss because of the backing from the Indian government.

PPF is not just a regular tax-saving investment. It's also a long-term investment that grows with time. Many investors use this as a retirement fund.

To plan for your retirement, start investing on Kuvera, a platform that brings goal planning and investing to your fingertips. Discover 5000+ Direct Plans from India's leading AMCs, and Fixed Deposits from banks and NBFCs. We also make it super convenient to import and track your external investments in MFs, Stocks, US Stocks, Gold and EPF - all at one place. Start investing today!


What is a PPF Account?
What is the minimum lock-in period for PPF?
What are the options after the maturity of the PPF account?
Can you open two PPF accounts?
How is PPF interest calculated?
What are the tax benefits of PPF?
Can I withdraw from PPF before maturity?
Can I transfer my PPF account to another branch or office?
What happens if I miss my contribution for a whole year?
What is the difference between a PPF Account and an Employee Provident Fund Account (EPF) ?