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PPF Calculator HDFC : Check Returns & Maturity of HDFC Public Provident Fund

PPF Calculator HDFC for Investments. Current PPF Interest Rate is 7.1%, w.e.f 1 st April 2020. Lock-in 15 Years. Calculate how much your Public Provident Fund(PPF) contribution would have grown to using this calculator.

Explore other alternatives like ELSS funds and how it impacts the growth of your wealth.


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Please enter amount between 500 and 1,50,000
Please enter valid period between (15-50 Years)

Wealth Gained

Total Investment


Total Corpus Created

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What is the Public Provident Fund (PPF)?

The Public Provident Fund PPF scheme is a popular investment scheme that allows the investors to maintain a retirement corpus by contributing towards the account either by making monthly or lump-sum payments.

PPF scheme has a mandatory lock-in period of 15 years during which the investors cannot close their accounts. However partial withdrawals are allowed from the 7th year subject to certain conditions.

With the attractive interest rate that it offers, along with the tax benefits under section 80C of the Income Tax Act, PPF has become a safe-haven for investors. Furthermore, investors allowed the facilities of loans, an extension of account in blocks of 5 years, etc.

Below are few of the features of HDFC PPF account:

  • It offers an attractive Interest Rate of 7.1% that is fully exempt from tax under Section 80C. The amount invested is allowed as a deduction, the interest earned and maturity amount is tax-free
  • The rate of interest is dependent on the rates declared by the Government of India.
  • Good long term investment for 15 years.
  • The account can be extended for a block of 5 years after maturity.
  • The minimum deposit amount of Rs 500/- and maximum of Rs 1,50,000/- in a Financial Year. Any amount invested above that will not qualify for tax benefits.
  • If the minimum amount of Rs 500/- is not deposited in any financial year, a penalty of Rs 50/- will be charged.
  • It provides the facility of issuing and updating the passbook to the customers
  • It also provides the option for a loan facility and partial withdrawals. 50% of the balance can be withdrawn after the expiry of 5 years, excluding the first year itself.

HDFC PPF Interest Rate 2020

The PPF account interest is paid on the amount standing in the investor’s account. The PPF rate of interest is reviewed by the Ministry of Finance, Government of India every quarter and over the past several years the return has been witnessing a downtrend.

As per PPF rules, the interest is calculated on a monthly basis but is credited to the HDFC PPF account at the end of the year on March 31st. PPF interest is compounded annually at the prevalent PPF interest rate of return

Below is a table summarizing the PPF rate of returns history:

Year Time Period Return (per annum)
2020-2021 April 2020 - June 2020 7.1%
2019-2020 January 2020 - March 2020 7.9%
October 2019 - December 2019 7.9%
July 2019 - September 2019 7.9%
April 2019 - June 2019 8.0%
2018-2019 January 2019 - March 2019 8.0%
October 2018 - December 2018 8.0%
July 2018 - September 2018 8.0%
April 2018 - June 2018 7.6%
2017-2018 January 2018 - March 2018 7.6%
October 2017 - December 2017 7.8%
July 2017 - September 2017 7.8%
April 2017 - June 2017 7.9%
2016-2017 October 2016 - March 2017 8.0%
April 2016 - September 2016 8.1%
2015-2016 April 2015 - March 2016 8.70%
2014-2015 April 2014 - March 2015
2013-2014 April 2013 - March 2014
2012-2013 April 2012 - March 2013 8.80%

How to Use the HDFC PPF Calculator?

Our HDFC PPF account calculator is an online tool that provides an estimate of interest earned, maturity value for a given amount invested and investment period. An estimation of the total corpus created at the end of the investment period helps you know whether the investment option chosen matched with your financial goal or not.

Steps to use the online PPF Calculator HDFC:

  1. Visit our website.
  2. Enter the amount to be invested.
  3. Enter the period of PPF investment.

Once the above details are entered, the HDFC PPF calculator will provide you with the total corpus created at the end of the investment period.


Mrs. Aditi wants to estimate the maturity amount for his yearly investment of Rs 12,500 per year for 15 years

She can quickly get an estimate by using our HDFC PPF calculator 2020. The estimated maturity amount is Rs 43,98,642 and the wealth gained is Rs 21,48,642.

HDFC PPF Investment Schedule

Below is the HDFC PPF investment schedule that an HDFC PPF investment calculator shows of opening balance, the amount deposited, interest earned and closing balance if you invest Rs. 1,00,000 yearly for 15 years (assuming interest rate to be 8.0%)

Year Opening Balance Amount deposited Interest earned Closing balance
0 0 1,00,000 8,000 1,08,000
1 1,08,000 1,00,000 16,640 2,24,640
2 2,24,640 1,00,000 25,971 3,50,611
3 3,50,611 1,00,000 36,049 4,86,660
4 4,86,660 1,00,000 46,933 6,33,593
5 6,33,593 1,00,000 58,687 7,92,280
6 7,92,280 1,00,000 71,382 9,63,663
7 9,63,663 1,00,000 85,093 11,48,756
8 11,48,756 1,00,000 99,900 13,48,656
9 13,48,656 1,00,000 1,15,892 15,64,549
10 15,64,549 1,00,000 1,33,164 17,97,713
11 17,97,713 1,00,000 1,51,817 20,49,530
12 20,49,530 1,00,000 1,71,962 23,21,492
13 23,21,492 1,00,000 1,93,719 26,15,211
14 26,15,211 1,00,000 2,17,217 29,32,428

How does the PPF Calculator HDFC help you?

PPF scheme calculator is a simple and handy tool that helps you calculate PPF returns you can earn by making a contribution towards PPF.

As per PPF rules, the investors can make an investment of a minimum Rs. 500 and up to a maximum of Rs. 1,50,000 in a year and claim the tax benefits for the same.

The investment can be made either monthly or in a lump sum. HDFC PPF calculator helps you calculate PPF estimated returns according to the amount invested by you and the lock-in period selected by you.

Below are a few benefits of the HDFC PPF calculator:

  • Enables you to evaluate various cases with the change in investment amount.
  • Shows you the total invested amount according to the tenure.
  • It shows you the total interest earned after maturity.
  • Displays the total amount you will receive after the account matures

Frequently Asked Questions