SBI PPF Calculator — Public Provident Fund Calculator 2025
Calculate your SBI PPF maturity amount with our comprehensive Public Provident Fund calculator. PPF is one of India's safest long-term investments offering tax-free returns under Section 80C. See year-by-year balance growth, total interest earned, and plan your retirement savings with SBI's current PPF rate of 7.1% p.a.
Interactive Sandbox
Max: ₹1,50,000/year
Min: 15 years (extendable in 5yr blocks)
Maturity Amount
₹0
Total Invested
₹0
Interest Earned
₹0
Year-wise PPF Growth
| Year | Deposit | Interest | Balance | Purchasing Power (Real) |
|---|
Current SBI Rates
| Period / Type | Interest Rate |
|---|---|
| Current Rate | 7.1% p.a. |
| Min Deposit | ₹500/year |
| Max Deposit | ₹1,50,000/year |
| Lock-in | 15 years |
How to Use This Calculator
- 1Enter the required values in the input fields above
- 2Adjust the sliders or type exact values for precision
- 3Click "Calculate" to see instant results with breakdown
- 4View the chart and table for detailed analysis
In-Depth Authority Guide
Comprehensive Guide & Financial Analysis
Verified Against SBI Schedules
| Updated: FY 2025–26
Understanding SBI PPF Calculator
The SBI PPF Calculator is a dedicated financial planning utility designed to help you project the future maturity value and interest earnings on your deposits with the State Bank of India. When saving or investing in SBI fixed income products, understanding how interest rates, lock-in periods, and compounding frequencies interact is crucial. This interactive calculator automates all mathematical compounding equations, allowing you to run multiple scenario simulations in a fraction of a second.How SBI Calculates Deposit Interest
Standard SBI Fixed Deposits (STDR/Cumulative FD) calculate returns using quarterly compounding. Each quarter, interest is calculated on your current balance and added to the principal. Subsequent calculations are run on this accumulated sum. The mathematical formula for compound interest is: A = P (1 + r / n)^(n t) Where:For Recurring Deposits (RD), compounding is also quarterly, but the calculation compiles a series of monthly deposits. Public Provident Fund (PPF) deposits are subject to annual compounding (n = 1) and interest is calculated based on the lowest balance between the 5th and last day of each month.
Key Benefits of Planning with SBI PPF Calculator
Practical Tips for SBI Investors
First, enter your desired deposit amount and look up the current SBI interest rates for the corresponding tenure. If you are a senior citizen (aged 60 and above), make sure to apply the senior citizen premium (usually an additional 0.50% p.a.) to maximize your yield. For cumulative deposits, letting your interest compound until maturity provides the highest absolute yield.Frequently Asked Questions
What is the current SBI PPF interest rate?
The current PPF interest rate at SBI is 7.1% per annum, compounded annually.
What is the maximum PPF deposit per year?
The maximum annual deposit in PPF is ₹1,50,000. Deposits above this limit do not earn interest.
Can I withdraw PPF before 15 years?
Partial withdrawal is allowed from the 7th financial year. The account matures after 15 years and can be extended in 5-year blocks.
Is PPF interest tax-free?
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status — the deposit, interest, and maturity amount are all tax-free.
Can I have two PPF accounts?
No, an individual can hold only one PPF account. A second PPF account will be merged or closed.
Disclaimer: This calculator provides estimates based on the inputs provided. Actual rates and results may vary.
Always verify with SBI's official website or visit your nearest branch before making financial decisions.
This website is not affiliated with State Bank of India.