PPF Calculator (Public Provident Fund)
Simulate risk-free compounding in the Public Provident Fund under the fixed 7.10% p.a. sovereign rate.
💡 Motto: We don't tell what to pick, we tell how to pick.
Investment Settings
Yearly Deposit
₹
₹500₹1.5 Lakhs (Statutory Max Limit)
PPF Interest Rate
7.1% p.a.
*Interest is government-guaranteed and completely tax-free under Sec 80C.Lock-in Period (Years)
Yrs
15 Years (Min)30 Years (Extended)
Expected Inflation Rate
%
3%12%
Total Principal
₹22,50,000
Maturity Value (Nominal)
₹40,68,209
Maturity Value (Real Value)
₹19,31,890
PPF Compounding Curve Map
Educational Concept: PPF Sovereign Safety
The Public Provident Fund is backed directly by the Central Government of India, making default risk virtually non-existent. However, because it compounds at a fixed rate (7.10% p.a.), it tracks close to average CPI inflation (5.09%). This means it is the perfect tool for capital preservation and debt allocation, but should be combined with equity indexes for long-term growth.