SBI PPF Calculator
Project your Public Provident Fund maturity with yearly deposits and the current illustrative government-notified rate. Rates shown are indicative public ranges as of August 2026, not live quotes-verify on State Bank of India's official website.
Indicative PPF rates at State Bank of India
7.10% p.a. · as of August 2026. The calculator below is prefilled at the indicative midpoint (7.1%)-move the rate slider to your actual quote.
Saarthi Capital is not affiliated with or endorsed by State Bank of India. Rates shown are indicative public ranges, not live quotes-verify on the bank's official website before investing or borrowing.
Figures are mathematical illustrations only and not a promise of performance. Mutual funds, deposits, loans, and insurance are offered by respective institutions-please read scheme documents and terms before investing or borrowing.
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SBI PPF Calculator - how to use this tool
State Bank of India is a public-sector bank headquartered in Mumbai. India's largest public-sector bank by assets, with the country's biggest branch network and a full suite of deposit and loan products.
The Public Provident Fund is a government-backed small-savings scheme-15-year tenure, deposits of ₹500 to ₹1.5 lakh a year, and an interest rate notified quarterly that is identical at every bank. State Bank of India simply acts as the point of service: the account, rate and sovereign guarantee are the government's.
PPF's EEE tax status-deductible deposits, tax-free interest, tax-free maturity-makes it the anchor of many conservative portfolios. Its weakness is inflation-beating growth over long horizons, which is why planners often pair it with ELSS or diversified equity SIPs for goals more than a decade away.
Prefer a plan over a number? tax planning at Saarthi Capital turns this scenario into an executed, reviewed strategy.
Frequently asked questions
What is the PPF interest rate at SBI?
PPF rates are notified by the Government of India every quarter and are identical at every bank and post office-State Bank of India does not set its own PPF rate. The rate has been around 7.1% p.a. in recent quarters; check the latest notification before investing.
How does this SBI PPF calculator work?
Enter your yearly deposit, the current illustrative PPF rate and tenure (15 years, extendable in 5-year blocks). The calculator projects maturity value using the annual compounding PPF follows.
How much can I invest in PPF each year?
Between ₹500 and ₹1.5 lakh per financial year per account, in one or multiple deposits. Amounts above the cap earn no interest and earn no tax benefit.
What is the PPF lock-in and can I withdraw early?
PPF matures in 15 years. Loans against the balance are possible from the 3rd year and partial withdrawals from the 7th year, subject to scheme limits. After maturity you can extend in 5-year blocks, with or without fresh deposits.
What tax benefit does PPF give?
PPF is EEE: deposits qualify under Section 80C (old regime, within the ₹1.5 lakh limit), interest is tax-free, and maturity is tax-free. Under the new regime the 80C deduction is not available, but interest remains tax-free.
Why open a PPF account through State Bank of India?
Convenience: online opening, standing instructions from your savings account, and a single view of your banking. The scheme, rate and sovereign backing are identical wherever you open it.
What happens if I miss a PPF deposit in a year?
The account becomes inactive but can be revived by paying the ₹500 minimum for each missed year plus a small penalty per year of default. Interest continues to accrue on the existing balance meanwhile.
PPF vs ELSS-which is better for tax saving?
PPF offers a sovereign-guaranteed rate with a 15-year horizon; ELSS mutual funds are market-linked with only a 3-year lock-in and higher long-term growth potential. Many investors use both-compare them on our ELSS calculator.
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