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How to use ICICI Bank’s PPF Calculator
Advantages of using the Public Provident Fund (PPF) Calculator
Manage your finances better
The PPF calculator helps you estimate the future value of your PPF investment so that you can plan for financial goals such as saving for retirement, paying for your child's higher education or saving for wedding expenses
Analyse your investment options
Compare your estimated PPF returns with other investment options to make informed financial decisions. Evaluate which option provides better returns, liquidity and tax advantages.
Make the most of your contributions
By understanding how the frequency of your investment impacts your returns, you can optimise your PPF investment within the annual limit of ₹ 1.5 lakh.
Track your investment
Monitoring the growth of your PPF investment over time keeps you motivated and helps you adjust your investment strategies to meet your financial goals.
PPF Interest Rates: 2025-2026
How does PPF calculator help investors?
An excellent tool for investors, the PPF Calculator makes it easy to estimate the growth of your PPF investment. It quickly computes prospective gains based on your investment parameters such as deposit amount, duration and frequency of deposits. With its user-friendly interface, the calculator facilitates financial planning and helps investors make informed decisions about their savings.
What details are required to use the PPF Calculator?
To calculate the interest earned and maturity amount using the PPF Calculator, enter details like your deposit amount, investment period and investment frequency (monthly, quarterly etc.). These inputs allow the calculator to provide an estimate of the maturity amount based on the prevailing PPF interest rate.
Formula used by the PPF Calculator
Below is the formula used by the PPF Calculator:
M = P [ ( { (1 + i) ^ n } - 1 ) / i ]
where
M = Maturity amount
P = Annual instalment
i = Interest rate
n = Number of years
Let us understand the calculation of PPF amount through an example:
If you invest an annual amount of ₹ 1,00,000 in your PPF account for 15 years at the current PPF interest rate of 7.10%, the maturity amount will be:
M = 100,000 [ ( { (1 + 7.1) ^ 15 } - 1 ) / 7.1 ]
= ₹ 27,12,139
PPF Calculator: Table Illustrating an Example
Below is a table that gives PPF maturity amounts for various tenures at the current PPF interest rate of 7.1%, compounded annually.
Investment Period |
Annual Investment (₹) |
Interest Rate (%) |
Interest Earned* (₹) |
Maturity Amount* (₹) |
15 years |
1,50,000 |
7.10% |
18,18,209 |
40,68,209 |
20 years |
1,50,000 |
7.10% |
36,58,288 |
66,58,288 |
30 years |
1,50,000 |
7.10% |
1,09,50,911 |
1,54,50,911 |
*The estimated interest and maturity amount are calculated using ICICI Bank’s PPF Calculator. Final values may vary as per ICICI Bank’s policy.
Public Provident Fund Calculator FAQs
How do I use the PPF Calculator for an investment of 15 years?
To calculate the maturity amount after 15 years of investing in PPF, simply enter your deposit amount, select tenure as 15 years and choose your investment frequency. The calculator will calculate your PPF maturity amount based on these criteria.
What factors does a PPF Calculator consider?
A PPF calculator considers factors such as your deposit amount, investment duration, frequency of investments (monthly, quarterly, semi-annual or annual) and current PPF interest rate.
What is the latest PPF interest rate?
The current annual interest rate of PPF is 7.10% (as of May 2025). The interest is calculated monthly and credited and compounded annually.
Disclaimer: Please note that the PPF interest rate is subject to quarterly revisions by the Ministry of Finance and might change in subsequent quarters.
