Tax-free returns under Section 80C • Govt-backed
Maturity Amount
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Total Invested
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Interest Earned
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The PPF calculator monthly deposit tool above shows your exact maturity amount, total interest earned, and year-by-year growth in seconds. PPF (Public Provident Fund) is one of India’s most trusted long-term savings schemes — and knowing how much your monthly deposits will grow helps you plan smarter. Try different amounts and see your corpus build up over 15 years.
A PPF calculator monthly deposit is an online tool that computes your PPF maturity amount, total interest, and yearly balance when you invest a fixed sum every month instead of a lump sum annually.
Most people know PPF allows a maximum deposit of ₹1.5 lakh per year. But you can split that across 12 monthly instalments — say ₹12,500 per month — instead of paying it all at once. The ppf calculator monthly deposit tool does the maths for you, so you don’t have to.
PPF is backed by the Government of India. The current interest rate is 7.1% per annum (compounded annually) for FY2025–26. You can check the official rate on the India Post website or confirm it via RBI notifications.
PPF interest is calculated on the lowest balance between the 5th and last day of each month. This is a critical rule. If you deposit after the 5th, that month’s deposit earns zero interest for that month.
📐 Formula: M = P × [((1 + r/n)^(nt) − 1) / (r/n)] × (1 + r/n)
Where M = Maturity Amount | P = Monthly Deposit | r = Annual Interest Rate (7.1%) | n = 12 (compounding frequency) | t = Tenure in Years (15)
Because PPF interest is compounded annually (not monthly), the ppf calculator monthly deposit adjusts for this. The tool uses the actual PPF compounding method — so the results you see are accurate, not approximate.
One more thing. PPF has a lock-in of 15 years. You can extend it in blocks of 5 years after that — either with or without fresh contributions. The ppf calculator monthly deposit above lets you model the 15-year base period first.
Here are three real-world scenarios using the ppf calculator monthly deposit at 7.1% for 15 years. These numbers are useful if you earn ₹5L, ₹10L, or ₹15L per annum and want to invest accordingly.
| Monthly Deposit | Total Invested | Interest Earned | Maturity Amount |
|---|---|---|---|
| ₹2,000 | ₹3,60,000 | ₹2,91,306 | ₹6,51,306 |
| ₹5,000 | ₹9,00,000 | ₹7,27,284 | ₹16,27,284 |
| ₹12,500 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
Notice the pattern. At ₹12,500/month (the maximum allowed), your ₹22.5 lakh investment nearly doubles to over ₹40 lakh — purely from compound interest. And every single rupee of that maturity amount is 100% tax-free under the EEE (Exempt-Exempt-Exempt) status of PPF.
Tax calculations are indicative. Consult a CA for your situation.
Let’s track a ₹5,000/month deposit over 15 years. This shows how slowly — and then quickly — compounding builds your wealth.
| Year | Deposited (₹) | Interest (₹) | Balance (₹) |
|---|---|---|---|
| Year 1 | 60,000 | 2,130 | 62,130 |
| Year 3 | 1,80,000 | 19,744 | 1,99,744 |
| Year 5 | 3,00,000 | 52,852 | 3,52,852 |
| Year 10 | 6,00,000 | 2,56,619 | 8,56,619 |
| Year 15 | 9,00,000 | 7,27,284 | 16,27,284 |
See what happens between Year 10 and Year 15? Your interest earned jumps from ₹2.56 lakh to ₹7.27 lakh in just five years. That’s compounding doing its job. The longer you stay invested, the harder your money works.
The ppf calculator monthly deposit result depends on a few key variables. Change any one of them and your final corpus changes significantly.
Small habits make a big difference with PPF. Here’s how to squeeze the most out of your monthly deposits.
This single habit can add thousands of rupees to your final maturity amount. Set a standing instruction with your bank — SBI, HDFC, ICICI — to auto-transfer to your PPF account on the 1st or 2nd of each month.
₹12,500 per month fills your entire Section 80C PPF limit. You get a tax deduction on the deposit AND tax-free returns at maturity. That’s a double benefit most fixed deposits or recurring deposits simply don’t offer. Learn more about how PPF interest is calculated to understand the full picture.
Don’t withdraw at maturity if you don’t need the money. Extend in 5-year blocks. The compounding at that stage — when your balance is already ₹16–₹40 lakh — is extremely powerful. Use our PPF maturity calculator to model extended scenarios.
You can open a PPF account in your minor child’s name and contribute to it — though the combined limit for your account and your child’s account stays at ₹1.5 lakh per year. Still, it’s a great way to build a tax-free education fund. Compare this strategy with our PPF vs FD calculator.
Also check the official Income Tax India website for the latest Section 80C deduction rules before filing your return.
A: No. The minimum PPF deposit per year is ₹500, which works out to about ₹42 per month. But practically, most people deposit at least ₹500 per month. The PPF calculator monthly deposit tool works for any amount between ₹500 and ₹12,500 per month (the monthly equivalent of the ₹1.5 lakh annual cap).
A: Yes, most PPF calculator monthly deposit tools assume you deposit before the 5th of every month. This is the ideal scenario because PPF interest is calculated on the lowest balance between the 5th and last day of the month. If you deposit after the 5th, that month’s deposit earns no interest for that month — and your actual returns will be slightly lower than the calculator shows.
A: The PPF calculator monthly deposit tool gives a very close approximation. Minor differences can occur because the actual PPF interest calculation uses the exact calendar dates of your deposits, and the government can revise the interest rate quarterly. The calculator assumes a constant rate for the full 15 years. For the most precise figure, check your PPF passbook or the bank’s online portal.
A: The maximum is ₹12,500 per month, which equals ₹1.5 lakh per year — the annual PPF contribution limit set by the government. If you deposit more than ₹1.5 lakh in a financial year, the excess earns no interest and is not eligible for Section 80C deduction. The PPF calculator monthly deposit tool is designed to stay within this limit.
A: Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. Your monthly deposit qualifies for Section 80C deduction (up to ₹1.5 lakh/year), the interest earned each year is tax-free, and the maturity amount you see in the PPF calculator monthly deposit result is 100% exempt from income tax. This makes PPF one of the most tax-efficient savings instruments available to Indian residents. Tax calculations are indicative — consult a CA for your situation.
Bookmark this page and use the free PPF calculator monthly deposit tool above whenever you want to check your updated corpus — especially after the government announces a rate revision.
