PPF Calculator 2025: Estimate 15-Year Returns on Your Investment
The Public Provident Fund (PPF) is a smart and secure way to grow your money over time. It’s offered by the Government of India and is designed for people who want to save regularly, without taking big risks. Plus, it comes with great tax benefits — you don’t pay tax on the money you invest, the interest you earn, or the final amount you get after maturity.
📢 What’s the Interest Rate Right Now?
The government updates the interest rates for small savings schemes like PPF every three months. Right now, the PPF interest rate is 7.1%, and it will stay the same until June 30, 2025. A new rate for July–September 2025 will be announced at the end of June.
💰 Example: How Much Will You Earn?
Let’s say you put in ₹1.5 lakh every year into your PPF account for 15 years. Here’s what you’ll get, according to the PPF calculator on SBI’s website:
- ✅ Total amount you invest: ₹22,50,000
- 💸 Total interest earned: ₹18,18,209
- 🏦 Final amount you receive: ₹40,68,209
That’s your money growing safely and tax-free!
✨ Main Features of PPF (What Makes It Great)
- 🗓️ Duration: 15 years (you can extend it later if you want)
- 💵 Minimum deposit: ₹500 per year
- 💰 Maximum deposit: ₹1.5 lakh per year
- 🛡️ Tax benefit: You get tax savings under Section 80C
- 💳 Loan & withdrawal: You can take a loan or withdraw money after a few years if needed
👥 Who Can Open a PPF Account?
- ✅ Any Indian citizen can open one PPF account.
- 👶 You can also open one for your child (as a parent or guardian).
- 🚫 You can’t have more than one account in your name (unless it’s for a minor).
💡 Remember: The combined yearly deposit for both your account and your child’s can’t go beyond ₹1.5 lakh.
📊 Other Government Savings Schemes – Interest Rates (from April 1, 2025)
If you’re curious about other options, here’s what the current rates look like:
| Scheme Name | Interest Rate |
|---|---|
| Savings Account | 4.0% |
| 1-Year Fixed Deposit | 6.9% |
| 2-Year Fixed Deposit | 7.0% |
| 3-Year Fixed Deposit | 7.1% |
| 5-Year Fixed Deposit | 7.5% |
| 5-Year Recurring Deposit | 6.7% |
| Senior Citizen Savings Scheme | 8.2% |
| Monthly Income Scheme | 7.4% |
| Public Provident Fund (PPF) | 7.1% |
| Kisan Vikas Patra | 7.5% (Matures in ~9.5 years) |
| Sukanya Samriddhi Account (Girl Child Saving) | 8.2% |
📌 In Short
PPF is a great option if you want to save safely, get good returns, and avoid taxes. You don’t need to be a financial expert to use it — just stay committed to regular saving, and let your money grow over time.
📝 Note: This article is only to help you understand the PPF scheme. It is not financial advice. Please talk to a financial expert if you’re unsure before investing.
