HDFC PPF Calculator

Project your tax-free PPF corpus at the current government notified rate

Yearly Contribution (Max ₹1.5L) ₹ 1,00,000

₹500 ₹1.5 Lakh

PPF Rate (Govt Notified) 7.1%

4% 9.5%

Tenure 15 Years

15 Years 30 Years

Maturity Corpus

₹0

Total Contributed ₹0

Interest Earned (Tax Free) ₹0

Maturity Corpus ₹0

Contributed: 50% Interest: 50%

Contributions assumed deposited by April 5th of each financial year and compounded annually. Rates are reviewed quarterly by the Government of India.

About the HDFC PPF Calculator

HDFC Bank offers PPF accounts at designated branches and increasingly through its digital channels, making annual contributions convenient. Since the PPF rate is set nationally by the government every quarter, the rate at HDFC Bank matches every other PPF provider. Use this HDFC PPF calculator to preview your tax free corpus at maturity.

What is a PPF Calculator?

A PPF calculator estimates the maturity corpus of a Public Provident Fund account from your yearly contribution and tenure. PPF currently earns a government notified rate of about 7.1% per year, revised quarterly, and the account matures after 15 years with fully tax free interest. Because contributions compound annually over a long period, the maturity figure grows surprisingly large, which the calculator shows instantly.

How Does the HDFC PPF Calculator Work?

PPF interest compounds annually on contributions made during the year, so the calculator applies the future value formula for yearly deposits:

M = Y x [(1 + r)^n – 1] / r x (1 + r)

M is the maturity value.
Y is your yearly contribution, capped at Rs. 1.5 lakh.
r is the annual PPF rate.
n is the number of years.

Example

Depositing Rs. 1,00,000 every year for 15 years at the current 7.1% rate builds a maturity corpus of about Rs. 27,12,139, of which Rs. 15,00,000 is your own contribution and the rest is tax free interest. The same account extended in 5 year blocks keeps compounding further.

Growth of Rs. 1,00,000 yearly PPF contribution

Total Contributed
5 years	Rs. 5,00,000	Rs. 6,17,134
10 years	Rs. 10,00,000	Rs. 14,86,749
15 years	Rs. 15,00,000	Rs. 27,12,139
20 years	Rs. 20,00,000	Rs. 44,38,859

How to Use the HDFC PPF Calculator

Enter your planned yearly contribution, up to Rs. 1.5 lakh.
Keep the interest rate at the current notified rate, about 7.1%.
Set the tenure, usually 15 years.
See the estimated tax free corpus at maturity.

Benefits of Using the HDFC PPF Calculator

Shows the long term power of small yearly deposits.
Helps you decide how much to contribute before the tax year closes.
Models the 15 year lock in so you can plan liquidity elsewhere.
Free and instant with nothing to install.

Frequently Asked Questions

Does the PPF rate at HDFC Bank differ from the Post Office?

No. The PPF interest rate is notified by the Ministry of Finance and applies identically to all banks and post offices, so your choice of provider is about service, not rate.

What is the current PPF interest rate?

The PPF rate is notified by the Ministry of Finance every quarter and recently stood at 7.1% per year. Always confirm the latest rate before planning your contribution.

Is the PPF maturity amount taxable?

No. PPF has EEE status: contributions qualify for deduction under Section 80C, interest accumulates tax free, and the maturity amount is fully exempt from income tax.

Can I withdraw from PPF before 15 years?

Partial withdrawals are allowed from the 7th year within scheme limits, and premature closure is permitted after the 5th year only for specific reasons such as medical emergencies or higher education, usually with a 1% lower rate.

Can I extend my PPF account after 15 years?

Yes, in blocks of 5 years, either with fresh contributions or without contributions while interest keeps accruing. Extension with contribution must be applied for within one year of maturity.

Disclaimer: The HDFC PPF Calculator provides estimates for educational purposes only and is not investment advice. Actual returns, rates, and charges depend on the product provider and market conditions. Verify details on the official website and consult a financial advisor before investing.

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