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SBI PPF Calculator

Total Investment(Yearly)

Interest rate


Select Duration


15 Yr

30 Yrs

Maturity Amount

Invested Amount


Interest (Total)


What is an SBI PPF Calculator

The online SBI PPF calculator is a useful tool for those who wish to compute returns on their investment made in a Public Provident Fund (PPF) account with the State Bank of India. It is an online tool that makes it easier to calculate returns on your PPF. The tool considers the invested amount, duration, and interest rate (fixed at 7.1%) to calculate the maturity amount and total returns.

With the help of an online SBI PPF calculator, you can make an informed choice of investments. It gives you an accurate overview of the likely returns on your PPF investment. By entering the relevant parameters, you can also quickly determine the maturity value, interest income, and growth of the invested money over time.

How Does an SBI PPF Calculator Work

To perform accurate calculations, the online SBI PPF calculator offers a simple and user-friendly interface. The SBI PPF calculator provides exact answers by calculating essential values, including the investment amount, the term, and the interest rate, thus saving you tedious calculations.

After entering the required information, the SBI PPF calculator formula calculates the maturity value using the PPF formula. This also takes into account the interest that is added to the principal amount each year. A full breakdown of the investment is generated, showing the total amount invested, the interest earned, and the ultimate maturity value.

What Is the SBI PPF Calculator Formula?

To determine the estimated value of a PPF investment at maturity, you can use the following formula:

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


i is the interest rate

F is the maturity value of the PPF

N is the duration in years

P is yearly instalments

How To Use the Online SBI PPF Calculator?

Using the SBI PPF calculator online is a simple and straightforward process. Here are the simple steps to use the online SBI PPF calculator:

  1. Visit the SBI PPF calculator on Angel One website
  2. Enter the yearly investment amount
  3. Enter the tenure (in years). PPF matures after the completion of 15 years and can thereafter be extended in blocks of 5 years. [However, partial withdrawal is allowed after the completion of seven years.]
  4. The interest rate is fixed, i.e., 7.1%

 The SBI PPF calculator yields the expected maturity value, the interest you can earn, and the total amount you will invest over the years.

Below is an example to understand this better.

Suppose you invest Rs. 3,500 monthly (Rs. 42,000 annually). The current 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 a total interest of Rs. 5,09,099.

Benefits Of Using a SBI PPF Calculator

Using the SBI PPF calculator formula can provide you with various benefits. Here are some significant advantages:

  • Precise estimation: The SBI PPF calculator performs accurate calculations, helping you get an accurate assessment of the growth and maturity worth of your investment.
  • Saving time: Manual computations may be time-consuming and error-prone. You can conserve time and effort by utilising the SBI PPF calculator, enabling you to concentrate on other parts of financial planning.
  • Easy adjustments: Adjusting the amount invested on the SBI PPF calculator allows you to explore alternative investment situations. This will enable you to make well-informed judgments based on your unique financial objectives.
  • Goal-oriented planning: The SBI PPF calculator will assist you in matching your PPF investments to their financial objectives. You might also benefit from a clear visualisation of possible profits and work strategically towards achieving your financial objectives.
  • Realistic expectations: The SBI PPF calculator will assist you in setting realistic expectations for your PPF return on investment by giving precise figures. This avoids unpleasant shocks or regrets in the future.
Eligibility Criteria for Opening a SBI PPF Account

To open a PPF account with the State Bank of India (SBI), you need to meet certain requirements. Below are the essential requirements:

  • Citizenship: The applicant must be a citizen of India and a resident of India. Non-resident Indians (NRIs) cannot open a PPF SBI account.
  • Age limit: Anyone over the age of 18 can open a PPF account in their name. A minor's legal guardian or parents may also open an account in the minor's name.
  • Maximum accounts: You may only open one PPF account in your own name. You are not authorised to open more than one account unless you are a parent or guardian who has previously opened an account for the child.
  • Initial Deposit: To open a PPF account, the account user has to make an initial deposit of at least Rs. 500, which can go up to 1.5 lakhs.
  • Duration: The PPF investment has a 15-year maturity term. However, following maturity, the account may be extended up to a period of 50 years, offering versatility for long-term investment strategy.

If you meet these requirements and comply with the relevant conditions, you can open an SBI PPF account and take advantage of this widely used investment instrument. If you wish to calculate the maturity value and interest, Angel One SBI PPF calculator can help.


What is a SBI PPF calculator?
The SBI PPF calculator is an online application that computes the maturity amount of money invested in the Public Provident Fund based on variables such as the annual contribution to PPF, tenure, and prevalent interest rate.
How to use the SBI PPF calculator online?
Go to the SBI PPF calculator page on Angel One and enter the investment amount, tenure, and interest rate. The tool will then yield the estimated maturity amount.
Is the SBI PPF calculator free to use?
Yes, The online SBI PPF calculator on the Angel One website is free. Anyone who wants to estimate their PPF return on investment can use it.
How much can be the minimum tenure of the PPF SBI calculator?
PPF has a minimum tenure of 15 years, and there is an option to withdraw money from the 7th year.
What is the interest rate on the SBI PPF calculator?
The PPF interest rate is reviewed every quarter. The current SBI PPF interest rate is 7.10% p.a., as of May 2023.

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