Amount Invested Vs Return
Net Return percentage
Increasing Investment percentage annually helps to achieve targets faster. 10% is suggested.
Public Provident Fund (PPF) is one of the
most preferred investment options for risk-averse investors. This government-backed savings scheme was launched mainly to benefit
small-scale investors. PPF provides guaranteed returns combined with tax benefits since it falls under the Exempt-Exempt-Exempt (EEE)
category of income tax laws.
Those investing in PPF often want to know how much growth
they can achieve during the investment tenure. However, the
calculations for the same could be difficult. This is when a PPF
calculator can come in handy. Using the PPF calculator, an investor
can easily calculate the annual PPF returns from periodic
contributions made to PPF account over a predetermined period.
The best part of a PPF calculator is that there is no
need for separate bank-wise calculators since interest rates,
maturity, withdrawal rules and taxation are decided by the
Fisdom’s PPF calculator is a simple compound interest
variant. This easy-to-use PPF calculator requires investors to
input the below listed data set:
You will have to fill in the yearly deposit amount
here. Depending upon the frequency of your deposits, you can
fill in the yearly PPF deposit amount. For Ex: If the deposit
amount is Rs. 500 and the deposit frequency is monthly, total
PPF deposit for the year will be Rs. 6,000.
Choose the duration for which you expect to be
invested in PPF. You can choose any tenure between 1 to 30
The current rate of interest as decided by the
Government is prefilled for you.
After providing the above-mentioned data into the PPF
calculator, it gives instant information regarding PPF maturity
amount, PPF interest earned, total PPF investment and the net
Just like any investment tracker, a PPF calculator
addresses investor concerns regarding the investment. The
calculator keeps a track of the growth that can be achieved on
the invested capital. Investors who already have a PPF account
would know that interest rates may change every month.
It is now easier to keep a track of changing interest
rates. With the help of a public provident fund calculator,
account holders can easily find out monthly changes in interest
Recommended read – How to open a PPF account?
There are some key rules that must be followed while
calculating PPF returns:
Since PPF is compounded annually, the longer one
remains invested in it, the higher the benefit to be availed. To
understand the benefit of compounding with regards to PPF
calculation, the following table shows an example of the
principal invested, interest earned and maturity value to be
received for 15, 20 and 30 year tenures.
|Investment Period||Yearly Investment||Total PPF Investment||Total Interest Earned||Maturity Value|
|15 years||Rs. 60,000||Rs. 9,00,000||Rs. 7,08,120||Rs. 16,08,120|
|20 years||Rs. 60,000||Rs. 12,00,000||Rs. 14,52,088||Rs. 26,52,088|
|30 years||Rs. 60,000||Rs. 18,00,000||Rs. 43,80,364||Rs. 61,80,364|
Assumptions in this PPF calculation are that the annual
investment amount is Rs. 10,000 and the ongoing PPF interest
rate is 7.1% per annum (since current PPF interest rate for Q1
of FY 2021-22 is 7.1%).
Here are some of the important aspects related to PPF
calculation that investors must be aware of:
The benefits of using an online PPF calculator are
PPF calculators can provide an insight on various
aspects of a PPF investment. This makes it easier for investors
to make calculated decisions for appropriate financial planning
in the long term. It is important to enter accurate details
about your PPF investment to get back accurate results on
Yes. The investment in PPF up to Rs 1.5 lakh annually, the interest
earned and the maturity amount are all tax-free.
The maturity period of PPF investment is 15 years and is calculated from
the end of the financial year when the first investment is made. For
example, if an investor makes the first investment in June 2021, then
the first full year of investment would be April 2022 to March 2023 and
the account would mature in March 2037.
If you miss your PPF contribution for a year, the account will become
dormant. You can activate it by paying a minimum contribution of Rs. 500
and a penalty of Rs. 50 for each year that the contribution is missed.
Many banks allow PPF investments to be made online using the bank’s
website or net banking services.
No. Only one PPF account is allowed per subscriber. However, you can open
a PPF account in your minor child’s name.