SBI PPF Calculator

The SBI PPF Calculator is a user-friendly tool designed to help you estimate your Public Provident Fund (PPF) returns. This tool simplifies financial planning by showing your total savings and interest earned. It is a smart way to plan your investments and maximize tax benefits under Section 80C.

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Disclaimer: ^Section 80C allows annual deductions of up to ₹1.5 lacs from the taxable income. Section 10(10D) provides tax-free maturity benefits for investments of up to ₹2.5 Lacs/ year, on policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws. All plans listed here are of insurance companies’ funds.

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What is a PPF Calculator SBI?

A PPF Calculator SBI is an online tool provided by SBI to help users estimate their returns from a Public Provident Fund (PPF) investment. It calculates the maturity amount based on factors like the annual investment, tenure (15 years or more), and the current PPF interest rate. The tool shows how your investment grows with yearly contributions and compounding interest.

NOTE: As of 2025, the current PPF interest rate is 7.1% per annum, compounded annually.

How is a SBI PPF Calculator Useful?

The key uses of the PPF calculator SBI are as follows:

Quick Interest Calculation: Instantly calculates interest based on current rates.
Accurate Maturity Projection: Gives precise estimates of your maturity amount.
Customizable Options: Adjust deposit amounts and tenure to see potential returns.
Time-Efficient: Saves time by avoiding manual calculations.
Clear Growth Insights: Displays how your PPF balance grows over time.
Convenient Access: Available online anytime, anywhere.

Illustration to Show How SBI PPF Calculator Works

Suppose Mr. Rohit invests Rs.10,000 for 15 years in the PPF account. The following table shows the total interest receivable by Mr. Rohit and the loan and withdrawal amount eligibility related to the investment. (note that the interest rate is rounded off to 8% here).
Here is how the SBI PPF Calculator works:

Years	Opening Balance	Deposited Amount	Interest Earned	Closing Balance	Maximum Loan Availed	Maximum Withdrawals Made
1st year	₹0	₹10000	₹800	₹10800	0	0
2nd year	₹10800	₹10000	₹1664	₹22464	0	0
3rd year	₹22464	₹10000	₹2597	₹35061	Rs. 2700	0
4th year	₹35061	₹10000	₹3605	₹48666	Rs. 5616	0
5th year	₹48666	₹10000	₹4693	₹63359	Rs. 8765	0
6th year	₹63359	₹10000	₹5869	₹79228	Rs. 12167	0
7th year	₹79228	₹10000	₹7138	₹96366	0	₹17531
8th year	₹96366	₹10000	₹8509	₹114875	0	₹24333
9th year	₹114875	₹10000	₹9990	₹134865	0	₹31680
10th year	₹134865	₹10000	₹11589	₹156454	0	₹39614
11th year	₹156454	₹10000	₹13316	₹179770	0	₹48183
12th year	₹179770	₹10000	₹15182	₹204952	0	₹57438
13th year	₹204952	₹10000	₹17196	₹232148	0	₹67433
14th year	₹232148	₹10000	₹19372	₹261520	0	₹78227
15th year	₹261520	₹10000	₹21722	₹293242	0	₹89885

How to Use the SBI PPF Calculator by Policybazaar?

To use Policybazaar's PPF Calculator, follow these simple steps:

Go to the SBI Bank PPF Calculator available on this page:
Choose between monthly and yearly PPF investments.
Insert your monthly/yearly investment amount.
The PPF Rate of Interest is usually auto-filled in the calculator.
Enter the total number of years you plan to invest in the PPF account.
The PPF Calculator SBI will then instantly calculate your total investment amount, the interest earned till date, and the maturity amount at the end of the tenure.

You can also explore other investment plans available on Policybazaar to find options that offer good returns.

Invest & Save upto ₹46,800 per annum in tax

What is SBI PPF Account?

An SBI PPF Account is a Public Provident Fund account. It is a savings scheme supported by the Government of India and offered by the State Bank of India. The PPF account aims to promote long-term savings while providing attractive tax benefits under Section 80C of the Income Tax Act.

The SBI PPF account has a fixed tenure of 15 years and allows deposits ranging from ₹500 to ₹1.5 lakh per financial year. It offers a competitive interest rate of 7.1% p.a., which is compounded annually, and the interest earned is completely tax-free. With SBI’s extensive branch network and online banking services, managing a PPF account is easy and convenient.

Advantages of Using Policybazaar’s SBI PPF Calculator

Some of the advantages of using an SBI PPF Calculator are:

Hassle-free results in comparison to manual calculations.
Accurate results with minimum basic details.
Shows the returns you will get according to your investment
Guides how much investment should be made to achieve a desirable maturity amount.

PPF Calculators

Post Office PPF Calculator

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Union Bank PPF Calculator

Bank of India PPF Calculator

IDBI PPF Calculator

Axis Bank PPF Calculator

Vijaya Bank PPF Calculator

FAQs

How much will I get after 15 years in PPF?

It depends on how much you invest and the interest rate. Assuming you invest ₹5000 per year in PPF for 15 years at an interest rate of 7.1% per annum, you will get approximately ₹1,35,606 after maturity.
Can I have 2 PPF accounts?

No, you can only have one PPF account.
Is SBI PPF tax free?

Yes, SBI PPF is tax free. Both the investment and the returns are tax-free.
What are the minimum and maximum limits of investment in the PPF account?

The minimum amount an investor needs to add annually in their PPF account is ₹500 whereas the maximum amount that can be invested in a year is ₹1,50,000.
How many contributions can be made to my SBI PPF Account in a year?

A maximum of 12 contributions can be made in a year and the amount shall not increase Rs. 1.5 lakhs.
What is the SBI PPF account tenure?

Generally, a PPF account has a 15-year tenure. However, it can be extended in a series of 5 years after the 15-year maturity period.
Are there any tax benefits while making investments in PPF?

Yes, the PPF account allows the investor to claim tax benefits up to ₹1,50,000 annually under Section 80C of the Income Tax Act, 1961.
Are yearly deposits mandatory in the PPF account?

Yes. A minimum of ₹500 needs to be deposited annually in order to keep the PPF account active.

˜Top 5 plans based on annualized premium, for bookings made in the first 6 months of FY 24-25. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. This list of plans listed here comprise of insurance products offered by all the insurance partners of Policybazaar. For a complete list of insurers in India refer to the Insurance Regulatory and Development Authority of India website, www.irdai.gov.in
*All savings are provided by the insurer as per the IRDAI approved insurance plan.
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

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