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Kotak Bank PPF Calculator

Total Investment(Yearly)

Interest rate


Select Duration


15 Yr

30 Yrs

Maturity Amount


Invested Amount

Interest (Total)

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What Is Kotak Bank PPF Calculator?

Public Provident Fund is a popular fixed-income investment option in India known for its tax benefits and long-term assured returns. Kotak Bank provides hassle-free ways to invest in PPF. The tenure on a PPF, however, is 15 years and it makes sense to calculate the returns beforehand and evaluate whether it is an ideal investment to align with your financial horizons. The Kotak Bank PPF Calculator is a helpful tool that enables individuals to estimate the expected earnings on their PPF investments.

The Kotak Bank PPF Calculator is an online tool that requires you to input the annual investment amount in order to calculate the returns upon maturity for a PPF account held with Kotak Bank. Using this calculator, individuals can get an estimate of the maturity value of their PPF investment and the total interest they will earn. With the help of the Kotak Bank PPF calculator, you can budget effectively, maximise your savings and consistently build a sizable corpus for the future.

How Does a Kotak Bank PPF Calculator Work?

The Kotak Bank PPF calculator offered by Angel One considers invested amount, interest rate, and investment tenure to calculate the maturity value and interest amount of a PPF account.

The government pre-determines the interest rate for PPF and is subject to quarterly changes. The lock-in period or tenure for PPF investments is also set, currently at 15 years. When using the online Kotak Bank PPF calculator, all you need to do is enter the principal amount, and the calculator will automatically fill in the interest rate and tenure details. With just the investment amount as input from you, the calculator will instantly display the potential returns on your PPF investment.

What Is the Online Kotak Bank PPF Calculator Formula?

The expected return on PPF is calculated by using the following Kotak Bank PPF calculator formula:

  • F = P [({(1+i) ^n}-1)/i]
  • Where,
  • F is the maturity amount
  • P is the principal amount to be invested in the PPF scheme
  • i is the prevailing interest rate of return on the PPF scheme
  • n is the tenure for which the amount is invested in the PPF scheme

How To Use the Online Kotak Bank PPF Calculator?

Visit the Kotak Bank PPF calculator on Angel One website. Here are the simple steps to use the online Kotak Bank PPF calculator:

  • Step 1: Enter the yearly investment amount.
  • Step 2: The tenure is preprogrammed as 15 years but can be extended in blocks of 5 years.
  • Step 3: The interest rate is preprogrammed to the prevailing interest rate.

Once you enter these values, the tool will generate the values of the total investment, the interest you will earn and the total maturity amount.

Here's an example to understand this better.

Suppose you invest Rs. 3,500 monthly (Rs. 42,000 annually). Assume the interest rate is 7.1% annually and the investment duration is 15 years.

Therefore, the maturity value of PPF will be Rs. 11,39,099. Your total investment amount will be Rs. 6,30,000, while you will earn interest of Rs. 5,09,099.

The Benefits of Kotak Bank PPF Calculator

Below are the most notable benefits of a Kotak Bank PPF calculator :

  • Instant Results: Once all the required information is entered, the Kotak Bank PPF Calculator quickly generates accurate results. You can see the total interest you can earn and the maturity value of your PPF investment and make informed decisions.

  • User-Friendly Interface: The Kotak Bank PPF calculator features a user-friendly interface that is easy to navigate. It provides clear instructions and input fields, making it simple for users to enter the necessary information. It also prepopulates some information like the interest rate and tenure to spare you the hassle of looking up the details before entering them.

  • Helps with financial planning:Knowing what you can expect as earnings from your PPF investments allows you to plan your financial goals. You can save for major life expenses or know how the investment will align with your investment horizons.

  • Free without any usage limit: You can use the Kotak Bank PPF calculator on Angel One unlimited times without paying anything.


What is the Kotak Bank PPF calculator?

The Kotak Bank PPF calculator helps you estimate the potential returns on your PPF investment. It allows you to calculate the maturity amount and interest you can earn, so you can get a clear idea of how your investment will grow over time.

How to use the PPF calculator online?

Access the online Kotak Bank PPF calculator on Angel One and enter the yearly investment amount. The PPF calculator will display the maturity value based on the 15-year lock-in period and prevailing interest rates.

Is the PPF calculator free to use?

Yes, The Kotak Bank PPF calculator is free on Angel One. You can use it as often as you want without paying a fee.

Can I have two PPF accounts?

According to the rules governing the Public Provident Fund (PPF) in India, you cannot have more than one PPF account in your name. Individuals can, however, open a PPF account for a minor child.

Is PPF taxable at maturity?

No, the PPF amount received at maturity is tax-free. Any investment made into a PPF account is tax-free under Section 80C of the Income Tax Act of 1961.

What is the tenure of PPF?

It is the total time period during which you have to remain invested in the PPF. It is currently 15 years (as of June 2023), but it is subject to change.

What is the PPF interest rate?

The interest rate at which your PPF investment compounds is the PPF interest rate. The exact number is subject to change over time.

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