Why PPF deposit timing matters to a projection
Understand the early-April deposit assumption, quarterly-notified rates and the difference between a balance projection and a maturity quote.
Read the guidePPF calculator
Give your long-term savings a steady foundation.
Projected PPF balance
₹40,68,209
Total contribution₹22,50,000
Estimated interest₹18,18,209
Your money over time
Projected valueAmount invested
For illustration only. Read the assumptions below for the full picture.
Estimates, not promises. Explore different scenarios.
Understand your result.
Project a Public Provident Fund balance using an annual contribution and an editable interest-rate assumption. PPF deposit timing matters because monthly interest eligibility depends on the scheme’s balance rules.
The result is a balance projection over the selected number of full years. Check the actual opening financial year before interpreting it as an account maturity quote.
A worked example.
Using this calculator’s default inputs, projected ppf balance is ₹40,68,209. This is an illustration of the stated formula, not a forecast.
See the example inputs
| Annual contribution | ₹1,50,000 |
|---|---|
| Annual interest rate | 7.1 % |
| Time period | 15 years |
A common mistake to avoid
Assuming today’s quarterly-notified interest rate is fixed for the entire account term.
Questions you might have.
Does this model assume early deposits?
Yes. The annual contribution is assumed to be deposited before 5 April and earn a full year of interest. Later deposits can earn less interest.
Can I choose fewer than 15 years?
Yes, to explore an intermediate balance. It does not make the account freely withdrawable at that point; scheme withdrawal and maturity rules still apply.
Prepared by INDwise · Calculation checks: 29 October 2026 · How we check the maths · Report a correction
How we calculate it
Balance at year end = (opening balance + annual contribution) × (1 + annual rate). Contributions are assumed before 5 April each year.
Assumptions & things to know
Full-year projection, not an exact maturity-date quote. A PPF account matures 15 years after the end of its opening financial year, with eligible 5-year extensions. The model holds the entered rate constant and excludes withdrawals.
Small savings rates · Oct–Dec 2026Source references checked 29 October 2026. Rates and rules may change.
Your privacy & sharing
Your financial inputs are used only within this page. Saved calculators use this browser’s local storage. Sharing creates a link with the entered values, so anyone with that link can see those values. A downloaded summary stays on your device.