Sukanya Samriddhi
Project the balance in a Sukanya Samriddhi account when it matures 21 years after opening.
Savings and loans
PPF calculator
Project the balance in a Public Provident Fund account over its 15-year term.
The government can change this rate every quarter. The PPF rate is 7.1% a year at the moment, and we last checked it on 1 Nov 2026. Check the current rate before you rely on a result.
How you deposit
Between ₹500 and ₹1,50,000 a year in all.
a year
years
The term is 15 years. More means extending in blocks of 5.
The financial year the first deposit is made in.
On 1 April of that year. Leave at zero for a new account.
Deposits are made
Interest for a month counts only the money that was in the account from the 5th.
Interest rate
The government can change this rate. The latest rate is assumed to continue.
In today’s money
Paying in ₹1,50,000 a year for 15 years at the official rate could build a balance of ₹40.68 lakh. You would pay in ₹22.5 lakh.
- Amount you paid in
- ₹22,50,000≈ ₹22.5 lakh
- Interest earned
- ₹18,18,209≈ ₹18.18 lakh · 81% on top of what you paid in
- Balance at the end
- ₹40,68,209≈ ₹40.68 lakh
Growth, year by year
Tap or hover the chart, or use the slider, to read any year.
- Balance
- Amount you paid in
After 15 years
Balance
₹40,68,209
Amount you paid in
₹22,50,000
Year-by-year table
| Year | Balance | Amount you paid in |
|---|---|---|
| 0 | ₹0 | ₹0 |
| 1 | ₹1,60,650 | ₹1,50,000 |
| 2 | ₹3,32,706 | ₹3,00,000 |
| 3 | ₹5,16,978 | ₹4,50,000 |
| 4 | ₹7,14,334 | ₹6,00,000 |
| 5 | ₹9,25,701 | ₹7,50,000 |
| 6 | ₹11,52,076 | ₹9,00,000 |
| 7 | ₹13,94,524 | ₹10,50,000 |
| 8 | ₹16,54,185 | ₹12,00,000 |
| 9 | ₹19,32,282 | ₹13,50,000 |
| 10 | ₹22,30,124 | ₹15,00,000 |
| 11 | ₹25,49,113 | ₹16,50,000 |
| 12 | ₹28,90,750 | ₹18,00,000 |
| 13 | ₹32,56,643 | ₹19,50,000 |
| 14 | ₹36,48,515 | ₹21,00,000 |
| 15 | ₹40,68,209 | ₹22,50,000 |
Where the total comes from
Tap a segment to see its rupees.
Interest earned₹18.18 lakh45% of total
Of the ₹40,68,209 total, ₹22,50,000 is amount you paid in and ₹18,18,209 is interest earned.
Interest rate used
The PPF rate is 7.1% a year, in force since 1 Oct 2026 and notified through 31 Dec 2026. Last checked on 1 Nov 2026.
From January 2027 onward no rate has been announced yet, so 7.1% is assumed to continue. The government can change it every quarter, and your result would change with it.
Rate used each year
- 2026-27: 7.1% (assumed)
- 2027-28: 7.1% (assumed)
- 2028-29: 7.1% (assumed)
- 2029-30: 7.1% (assumed)
- 2030-31: 7.1% (assumed)
- 2031-32: 7.1% (assumed)
- 2032-33: 7.1% (assumed)
- 2033-34: 7.1% (assumed)
- 2034-35: 7.1% (assumed)
- 2035-36: 7.1% (assumed)
- 2036-37: 7.1% (assumed)
- 2037-38: 7.1% (assumed)
- 2038-39: 7.1% (assumed)
- 2039-40: 7.1% (assumed)
- 2040-41: 7.1% (assumed)
What this assumes
- Interest each month is worked out on the lowest balance between the 5th and the end of the month, and added to the account on 31 March.
- Yearly deposits are made in April; monthly deposits in every month.
- Tax, loans and withdrawals are not taken into account.
What next
EPF
Project your Employees’ Provident Fund balance from your and your employer’s monthly contributions.Fixed deposit
See what a bank fixed deposit pays when it matures, with interest added on as it compounds.Recurring deposit
See what a bank recurring deposit pays at maturity, with interest added every quarter.
How it works
A Public Provident Fund account runs for 15 years. You may pay in between ₹500 and ₹1,50,000 in a financial year (April to March), in multiples of ₹50, as one sum or in instalments.
- Interest each month is the month’s rate divided by 12, on the lowest balance in the account between the close of the 5th and the end of that month. Money paid in after the 5th starts earning from the next month.
- Credited once a year, at the end of the financial year. Interest earned during a year does not earn interest until the next year.
- The rate is notified by the government every quarter and applies to the whole balance, not just new deposits.
- Extension: after 15 years you can keep the account for further blocks of 5 years, with or without new deposits, if you opt in within a year of maturity.
- Loan from the 3rd to the 6th financial year, up to 25% of the balance two years earlier. Withdrawal once a year after 5 years, up to 50% of the balance at the end of the fourth preceding year or the preceding year, whichever is lower.
Interest for a month = lowest balance (5th to month end) x rate ÷ 12
A worked example
₹1,50,000 paid in every April for 15 years, at the rates in force and the latest rate assumed to continue after that, grows to ₹40,68,209 (₹40.68 lakh). You pay in ₹22,50,000 and the interest is ₹18,18,209. At a steady 7.1%, the first year earns 1,50,000 x 0.071 = ₹10,650, and from the second year the interest is worked out on the balance brought forward plus the new deposit.
What it leaves out
- Loans, partial withdrawals and premature closure.
- A missed minimum deposit, which makes an account inactive until revived with a fee.
- Future rate changes. The latest rate is assumed to continue, which may not happen.
- A real account matures on 31 March, 15 years after the end of the year it was opened in. This calculator counts whole financial years from the one you pick.
- Tax.
Questions people ask
Is the PPF rate fixed for 15 years?
No. The government announces the rate for each quarter, and the new rate applies to the whole balance. When we last checked, on 1 Nov 2026, it was 7.1% a year, but it can change at any quarter. This calculator uses the rate notified for each period and assumes the latest rate continues after that.
Why does the 5th of the month matter?
Each month, interest is worked out on the lowest balance between the close of the 5th and the month end. Money paid in by the 5th counts for that whole month. Money paid in later counts from the next month. For a yearly deposit this is why April deposits made by the 5th earn for all twelve months.
What happens after 15 years?
You can close the account and take the whole balance. You can also keep it without further deposits, still earning the scheme rate, or extend it in blocks of 5 years with deposits if you opt in within one year of maturity. Choosing to continue with deposits cannot be undone later.
Can I take money out before the term ends?
The scheme allows a loan from the third to the sixth financial year and one partial withdrawal a year after five years, up to a share of the earlier balance. Premature closure is allowed only on listed grounds, such as serious illness or higher education, after five years, with interest cut by 1%. This calculator does not model any of these.
Why might another calculator show a different amount?
Many calculators use one fixed rate, add interest only once a year on the opening balance, or ignore the 5th-of-month rule. This one works through each month and each quarter’s notified rate. The date of deposit and the rate you assume also change the result.