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ICICI Bank ICICI Bank

 

 

 

 

 

 

PPF Calculator

 

Use our PPF Calculator to easily calculate your PPF interest earnings and maturity amount so that you can plan your long-term savings. Get tax-free returns at a fixed interest rate of 7.1%*.

 

About Public Provident Fund (PPF)

What is a Public Provident Fund (PPF) Calculator?

A PPF Calculator is an online tool offered by ICICI Bank that helps you estimate the returns on your Public Provident Fund investment. On entering your investment amount, frequency of investment and investment period, the calculator shows you the interest you will earn and the total maturity amount. It simplifies financial planning and informs you how your long-term savings can grow securely over time.

How does the ICICI Bank PPF Calculator help you estimate maturity value and interest?

The ICICI Bank PPF Calculator instantly shows an estimate of the interest earnings and maturity value of your PPF investment, based on your inputs.

For example, if you invest ₹ 1,00,000 once a year for 15 years, you can see the potential maturity amount and interest earned, at the current applicable interest rate. Similarly, you can check different investment amounts, tenures or frequencies of investment to compare possible outcomes.

It’s quick, easy to use and helps you plan better by giving a clear picture of your future returns. You can explore the ICICI Bank PPF Calculator to try different scenarios and plan your investments.

Benefits of a PPF Calculator

The primary benefit of a PPF Calculator is that it provides instant estimates of your investment returns, helping you plan your finances more effectively. It shows how much you can potentially save over the years and thus helps you do better goal-setting.

Using the calculator also means that there are fewer manual errors. It saves time and gives a transparent view of your potential maturity amount, making it ideal for anyone focused on long-term financial planning.

Contribution Limits in a PPF Account

Invest as low as ₹ 500 and up to ₹ 1.5 lakh per year, at a frequency that suits you- monthly, quarterly, half-yearly or annually.

Frequently Asked Questions

What is PPF?

The Public Provident Fund (PPF) is a long-term savings scheme by the Government of India that offers assured and tax-free returns.

How do I calculate my PPF maturity amount for 15 years?

Enter your annual investment amount, select 15 years as the tenure and choose your preferred investment frequency. The PPF Calculator will show your estimated maturity value.

What factors does the PPF calculator consider?

The Public Provident Fund Calculator considers deposit amount, investment tenure, investment frequency (monthly to yearly) and the current PPF interest rate.

What is the current PPF interest rate?

As of Q2 FY 2025–2026, the current PPF interest rate is 7.1% p.a., compounded annually but calculated monthly on the lowest account balance between the 5th of the month and the end of the month.

When is the best time to deposit into a PPF account?

To maximise the interest earned, invest before the 5th of every month, as PPF interest is calculated on the lowest balance between the 5th of the month and the month-end.

Is PPF a good investment option?

Yes. With government backing, tax-free returns and stable interest, PPF is ideal for long-term, risk-free financial planning.

Can I use the PPF Calculator for monthly investments?

Yes, you can use a PPF Calculator to check estimated returns on monthly investments. Just enter your monthly contribution amount and the tenure for which you plan to stay invested and the calculator will give your interest earned and maturity amount. This helps you plan your regular savings better and gives a clear idea of how your small monthly investments can grow over time in a PPF Account.

Is the interest earned on PPF tax-free?

Yes, PPF interest is completely tax-free under Section 10 of the Income Tax Act. Both the interest earned and the maturity amount are exempt from tax. This makes PPF a highly attractive and safe long-term savings option, offering assured returns along with full tax benefits on both investment and interest.

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