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Estimate a future Public Provident Fund balance without treating the current notified rate as a permanent 15-year promise.
The illustration treats each annual deposit as if made at the start of the year. Actual interest depends on deposit timing and the balance considered under scheme rules.
Educational estimate only. PPF rates are notified periodically and can change. The standard account term is 15 complete financial years from the end of the opening year; extension is governed by current scheme rules.
PPF can provide long-term fixed-income exposure, but it has a deposit ceiling and rule-based access. Review it alongside EPF, NPS and liquid reserves before deciding what role it should play.
The calculator adds the annual deposit at the start of each illustrated year and compounds the balance at the annual rate you enter.
The current scheme limit is ₹1.5 lakh per financial year. Confirm the latest rules before contributing because limits can change.
No. The rate is notified periodically. This calculator keeps it editable and applies one assumed rate only to create a planning illustration.
Under the current scheme, it matures after 15 complete financial years from the end of the financial year in which it was opened. Existing-account dates should be checked from the actual opening record.