One notified rate for the whole tenure
Each year: add the deposit (capped the way the scheme caps), then apply one annual rate. There is no monthly PPF credit in this model. There is no year-8 rate cut inside one run. When DEA changes the quarterly rate, type the new number and run the remaining years twice.
Modelling PPF when the rate changes. This is not a passbook. Confirm EEE treatment when you file.
Same deposits, two notified rates
Motion is the same maths as the worksheet. Reduced-motion browsers skip the grow.
Calculator education
When to use this calculator
Use this page to see how yearly PPF deposits could compound if one notified rate applied for the whole tenure you type.
How to read your result
Invested amount is the sum of yearly deposits (capped the way the slider allows). Interest and closing value follow one annual rate after each deposit in this model.
The rate on the slider is an assumption for the whole run. The government can change the notified PPF rate; this page does not schedule year-by-year rate cuts inside one illustration.
Key assumptions and limitations
- One annual deposit, then one annual interest credit — not the passbook’s 5th-of-month rule in full detail.
- Interest rate is whatever you type (often the current notified rate as a planning default).
- EEE tax status, extension, and premature-closure rules are described in copy; they are not a filing engine.
Common mistakes
- Treating one 15-year rate as a government promise for every remaining year.
- Depositing after the 5th and expecting this yearly loop to match the passbook to the rupee.
- Stuffing more than ₹1.5 lakh and assuming the extra still gets 80C and PPF interest.
Related guides
Related calculators
PPF interest in this calculator is the rate you enter for the whole tenure. Confirm the current notified rate and scheme rules from official sources. Rules and rates can change. Check the latest notification or official guidance before making a financial decision. Full disclaimer.
Author / methodology
What I check on PPF
- I run 6.5% as well as 7.1%. DEA can cut the notified rate.
- This model credits interest once a year. The passbook can disagree by a small amount.
- NRI and premature-closure rules are outside the loop. I do not pretend they are in it.
PPF is a government scheme parked at a bank or PO, not that bank's FD
The notified rate is set by DEA. Your passbook bank cannot match a private FD extra to keep you.
| Actor | What they control | What they do not |
|---|---|---|
| Government of India (DEA) | The quarterly notified rate | A promise that 7.1% lasts 15 years inside one run of this page |
| Bank / post office | The account, KYC, and passbook | Deposit insurance on PPF the way DICGC covers a bank FD |
| You | ₹500–₹1.5 lakh a year, 15-year lock, extension blocks | A monthly compound in this model interest is annual here |
NRI rules, premature closure (after 5 years, specific grounds, 1% haircut), and loan against PPF are outside this loop.
Deposit then interest, once a year. Stress a rate cut by running two illustrations.