🌳 PPF — Existing Account

Continue projecting an existing PPF account to the end of its 15-year term.

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Enter details

Fill in the details and click Calculate to see your results.

Formula at a glance

PPF (Existing Account) formula: FV₁ = Balance × (1 + i)ᵖ; FV₂ = D × [ ((1 + i)ᵖ − 1) ÷ i ]
How the ppf (existing account) works: FV₁ = Balance × (1 + i)ᵖ

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📘 About the PPF (Existing Account) Calculator

If you already have a PPF account, this calculator projects what it will be worth at the end of the 15-year term. It grows your current balance and adds the deposits you plan to keep making.

Enter your balance, the deposit per period, the interest rate, how often you deposit and the years already completed.

🧮 Formula

Future value of balance
FV₁ = Balance × (1 + i)ᵖ
Future value of deposits
FV₂ = D × [ ((1 + i)ᵖ − 1) ÷ i ]
Maturity amount
M = FV₁ + FV₂

Where

  • i = interest rate per period = annual rate ÷ (periods per year × 100)
  • p = remaining periods = (15 − years completed) × periods per year
  • D = deposit made each period

✏️ Worked example

₹8 lakh balance, 6 years done, ₹12,500 a month

You enter
Current Balance₹800,000
Deposit per Period₹12,500
Annual Interest Rate7.1%
Deposit FrequencyMonthly
Years Already Completed6 yrs
You get
Projected maturity amount₹33,56,755
Years left to maturity9 years
Further deposits₹13,50,000
Further interest₹12,06,755
If extended 5 years with deposits₹56,27,639

Maturity ₹33,56,755 in 9 years.

🧭 How to use this calculator

What you enter

  • Current Balance (₹)
  • Deposit per Period (₹)
  • Annual Interest Rate (%)
  • Deposit Frequency
  • Years Already Completed (yrs)

What you get

  • Projected Maturity Amount
  • Further Deposits + Balance
  • Further Interest Earned

❓ Frequently asked questions

What if I have completed all 15 years?

The calculator shows no remaining years. You can extend the account in blocks of five years and project the extension separately.

Does the rate stay fixed?

No. The PPF rate is reviewed every quarter, so your final maturity may differ from the projection.

Can I withdraw before maturity?

Partial withdrawals are allowed from the seventh financial year, subject to the scheme rules.

What people are saying
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Anonymous · 05 Oct 2026
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Anonymous · 05 Oct 2026
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Anonymous · 05 Oct 2026