Explore a simplified Public Provident Fund projection using annual contributions and an assumed constant rate. Actual interest depends on deposit dates and changing rates.
This simplified model treats each annual contribution as paid at the beginning of the year and applies the entered rate for every year. It is useful for scenarios, but it does not reproduce monthly eligible-balance calculations used for an actual PPF account.
Depositing ₹1.5 lakh at the beginning of each year for 15 years, with an illustrative constant 7.1% rate, gives a modeled maturity near ₹40.68 lakh. Total deposits are ₹22.5 lakh. Future PPF rates are not guaranteed to stay at 7.1%.
PPF has an annual contribution limit of ₹1.5 lakh and a minimum annual contribution of ₹500 under the scheme. Interest depends on the eligible balance between the close of the fifth day and the end of each month. Deposit timing can therefore affect interest.
Eligible contributions may qualify for an old-regime deduction within the shared investment limit. The tax-saving line assumes a 30% marginal rate and an otherwise unused shared limit; it is not a guaranteed saving, and personal contribution deductions are not available in every tax regime.
The standard account term and extension, withdrawal, loan and closure conditions follow scheme rules. A custom year input here is a mathematical scenario, not confirmation that you can withdraw at that point. Check the official scheme and current quarterly rate before acting.
Source: Public Provident Fund Scheme. Confirm current rules and rates with your account provider.
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Educational estimates. Results exclude taxes and individual exceptions unless stated. Inputs remain in your browser.