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PNB PPF Calculator

Total Investment(Yearly)

Interest rate


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15 Yr

30 Yrs

Maturity Amount


Invested Amount

Interest (Total)

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What is the PNB PPF Calculator?

The PNB PPF calculator is a useful tool when it comes to investing in the PPF or Public Provident Fund. PPF is a long-term investment vehicle that offers attractive interest rates and returns. Moreover, the interest earned is not subject to income tax. The government backs it, and it has proven to be a great long-term investment instrument. Thus, PPF is a popular form of investment in India.

However, this investment vehicle comes with a lock-in period of 15 years, and investors must assess its suitability before committing to such a long term. This can be done by calculating its returns and evaluating whether they align with investment objectives. Manually calculating PPF returns can be complex, time-consuming, and error-prone.

Hence, PPF calculators are built to facilitate these calculations, so that you do not need to waste time doing it manually. Among these calculators is the PNB PPF calculator. The online PNB PPF calculator is a tool that helps you calculate the maturity amount you will receive at the end of a fixed period after you have invested a certain amount of money each year.

How Does The PNB PPF Calculator Work?

The PNB PPF calculator is an incredibly useful tool that allows you to calculate the return on your investment in a PPF. Here's how it works:

First, enter the amount you want to invest in your PPF account. The term and the interest rate are already programmed into the tool as the prevailing rate and minimum PPF tenure. The calculator then uses this information to calculate the return you can expect from your PPF investment.

What Is the PNB PPF Calculator Formula?

The PNB PPF calculator formula is given below:

F = P [({(1+i)^n}-1)/i]


F is the maturity value of your investment

P is the principal invested amount

i is the current interest rate

n is the investment tenure

How To Use the Online PNB PPF Calculator?

The online PNB PPF Calculator is an easy-to-use tool. All you have to do is fill in the annual investment amount, and you will get instant results. Follow the steps below:

  • Go to the PNB PPF calculator page on the Angel One website.
  • Enter the annual investment amount.
  • The tool will already have the prevailing interest rate and tenure.
  • Using the information, it will calculate the maturity amount and total returns.

Here is an example to help you understand: 

You decide to invest an amount (P) of Rs. 20,000 annually. Assume that the interest rate is 7.1%, and the lock-in period is 15 years.

The PNB PPF calculator will estimate the maturity value of the PPF based on the above factors. It will also calculate your total investment amount and the total interest earned. 


F (Maturity Value) = Rs. 5,42,428.

Total Invested Amount = Rs. 3,00,000.

Total Amount of Interest Earned = Rs. 2,42,428.

Benefits Of Using a PNB PPF Calculator

Using the online PNB PPF calculator offers several benefits. Let us take a look at them below: 

  • Yields accurate results: The PNB PPF calculator accurately calculates the maturity amount and interest income of your PPF investments.
  • Helps with goal planning and financial management: By entering varying investment amounts, you can observe how your money will grow and determine what works better for your financial goals. The online PNB PPF calculator, thus, helps you plan and target your PPF investments toward specific financial goals.
  • Financial transparency: The PNB PPF calculator provides a comprehensive overview of the total capital invested and the interest earned over the investment period, which helps you track your savings progress.
  • Saves time: The online PNB PPF calculator saves valuable time by generating results quickly and eliminating the need for manual calculations and complex formulae.
  • Flexibility: You can experiment with different investment scenarios by adjusting the investment amount and duration to explore the potential impact on returns.
  • Convenience: The online PNB PPF calculator is easy to use and navigate and allows you to calculate your PPF returns conveniently.

Eligibility Criteria for Opening a PNB PPF Account

The eligibility criteria for opening a PPF (Public Provident Fund) account are as follows:

  • Age Requirement: Any Indian citizen who is 18 or above is eligible to open a PPF account with Punjab National Bank.
  • Minor Account: A parent or a guardian can open a PPF account for a minor.
  • Joint Account: PPF accounts cannot be opened in joint names. Only individual accounts are permitted.
  • Exclusions: Hindu Undivided Families (HUFs) and Non-Resident Indians (NRIs) are not eligible to open a PPF account.
  • Single Account: An individual can open only one PPF account in their name. If a person tries to open a second PPF account, it will be considered irregular and subsequently closed. Additionally, the second account will not accrue any interest.

By adhering to these eligibility criteria, individuals can open a PPF account with PNB and benefit from the provisions and features offered by the scheme.


What is the PNB PPF calculator?

The PNB PPF calculator helps you calculate the potential returns on your (PPF). It allows you to input the investment amount and estimate your PPF account's maturity amount based on the prevailing interest rate and tenure (15 years).

How to use the PNB PPF calculator online?

Visit Angel One and navigate to the online PNB PPF calculator. Then enter the investment amount. The interest rate and tenure are already programmed into the calculator. The online PNB PPF calculator will generate the maturity amount and interest you can earn from your PPF investment.

Is the PNB PPF calculator free to use?

Yes, the PNB PPF calculator is free to use. You can use this calculator on Angel One free of charge.

Is PPF better than LIC?

The comparison between PPF and LIC depends on your individual goals and financial needs. PPF (Public Provident Fund) and LIC (Life Insurance Corporation) serve different purposes. PPF is a long-term investment vehicle with a fixed interest rate, while LIC offers life insurance and investment options.

Is PPF better than FD?

PPF offers tax benefits, a high-interest rate, and a longer lock-in period, making it suitable for long-term savings. FD offers fixed returns with a shorter commitment period, making it more suitable for short-term savings or liquidity needs. Consider your specific requirements and seek advice from a financial advisor to make an informed decision.

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