How this calculation works
Project a PPF balance from the same annual contribution over the chosen horizon. The chart shows deposits and retained interest accumulating together. The simplified annual deposit is made before that year’s interest is applied; monthly deposit dates, withdrawals and changes to notified rates are not simulated.
Worked example
This example uses illustrative inputs. Your current result is shown above.
As a rate-sensitivity example, enter ₹10,000 each year, a hypothetical constant 5% rate and 15 years. Deposits total ₹1,50,000. The start-of-year recurrence gives ₹2,26,574.92 at the end of year 15, including ₹76,574.92 interest. The 5% is an example assumption, not a quoted PPF rate.
Assumptions and limits
- The contribution is credited at the beginning of each model year and remains invested.
- One entered rate is held constant even though notified small-savings rates can change.
- The projection does not establish account eligibility or model monthly interest eligibility, loans, withdrawals or extension procedures.
Questions people ask
Will monthly deposits produce exactly this balance?
Not necessarily. The model gives the entire annual amount a full year of interest. Deposits spread through the year have different interest eligibility dates.
Does changing the duration apply for an account extension?
It extends the arithmetic projection only. It does not submit an extension request or check the conditions that apply to an actual PPF account.
Is the maturity figure guaranteed at the rate entered?
No. The calculation keeps your rate fixed for all years; an actual long-term balance depends on the rates applicable over time and the deposit history.