PPF Calculator 2026

PPF Scheme Will Make You Rich – Become a Millionaire with 15 Years of Investment, Understand the Calculation

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PPF Calculator 2026: If you are thinking about making a safe investment, this scheme could be very special for you. The government operates the PPF scheme for secure investments, and it’s performing exceptionally well. The Public Provident Fund (PPF) is a popular long-term savings scheme of the Government of India. This scheme provides investors with secure returns, along with tax benefits and attractive interest rates. Money deposited in a PPF account remains invested for 15 years, meaning you can invest every year during this period. The deposited amount earns interest on a compounding basis, which transforms into a substantial sum at maturity.

How much can you invest in PPF?

You can deposit a minimum of Rs. 500 and a maximum of Rs. 1.5 lakh annually in the PPF scheme. This account can be easily opened at any bank or post office branch. The biggest advantage is that investments in PPF are eligible for tax exemption under Section 80C of the Income Tax Act. Also, the interest earned and the maturity amount are completely tax-free. This is why this scheme is considered an excellent option for safe long-term investment.

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Interest earned on PPF

The PPF scheme currently offers an annual interest rate of 7.10 percent. The scheme also offers flexibility. From the seventh year onwards, you can make partial withdrawals from your PPF account. After the 15-year maturity period, you can extend it further for another 5 years, which can further increase your corpus.

PPF Fund Calculation

Let’s assume you deposit Rs. 1 lakh every year in PPF. At the 15-year maturity, you will have a total of Rs. 27,12,139. ​​This includes your deposited amount of Rs. 15,00,000 and interest of Rs. 12,12,139. ​​This example shows how much capital can grow with regular investment and compounding.

Documents Required for PPF Account

To open a PPF account, you will need to fill out a form available at the bank or post office. Along with this, you will need to submit identity proof such as an Aadhaar card, a PAN card, a Voter ID, a passport, or a driving license. Proof of address is also required, such as an Aadhaar card, a Voter ID, a passport, or a utility bill. In addition, two passport-sized photographs are also necessary.

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PPF is a Long-Term Investment Scheme

Investing in the PPF scheme is easy and secure. You can start investing with small amounts every month and deposit the remaining amount at the end of the year. With regular investments and compounding, your savings grow, resulting in a substantial amount at maturity.

According to experts, PPF is one of the most reliable investment options for the long term. It not only offers tax-free returns but also allows your capital to grow through compounding. Proper planning, regular investments, and the facility of partial withdrawals make it an excellent option for achieving your financial goals.

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