PPF Calulator

Updated on December 14, 2025 , 16551 views

What is PPF?

Public Provident Fund (PPF), introduced in India in 1968 with the objective to mobilize small savings in the form of an investment, coupled with a return on it. It still remains a favourite savings avenue for many investors as the returns are tax free.It can also be called a savings-cum-tax savings investment vehicle that enables one to build a retirement corpus while saving on annual Taxes. Therefore, anyone looking for a safe investment option to save taxes and earn guaranteed returns should open a PPF account.

PPF Calculator

Investment Amount:₹100,000

Interest Earned:₹139,127.17

Maturity Amount: ₹239,127.17

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Benefits of PPF

The risk Factor in PPF investment is low as it is backed by the government.
A PPF account can be opened at nationalised banks, public banks, post offices and selective private banks, all of which have a wide reach.
Although the lock in period is 15 years for a PPF, there are provisions to either withdraw some money or take loans after 7 years. The returns from a PPF is more attractive compared to the Bank FDs.
PPF deposits fall under EEE (exempt-exempt-exempt) category. Which means, the principal invested, the interest earned and the proceeds received at maturity are all tax exempt. Amounts deposited in spouse’s or child’s PPF account are also tax exempt.

How is PPF interest calculated?

Do you have any questions about tax or finance you need help with?

The interest on PPF is compounded annually. The formula for this is: F = P[({(1+i)^n}-1)/i] Here, F = Maturity proceeds of the PPF P = Annual installments n = Number of years i = Rate of interest/100

Alternative Investment Options

Section 80-C provides PPF with EEE benefit (Exempt, Exempt, Exempt). This means that an investment up to Rs. 1.5 lakhs annually, the returns you earn and the corpus when the fund matures are all exempted from taxation. Now what can compare to this? Your answer is ELSS. Though ELSS has the lowest lock-in period, you can opt for this as a long-term investment (< 5 years). The longer you invest, more tax you will save not to mention earn Inflation-beating returns.

Top Funds for 2025

*Best funds based on 5 year performance.

1. ICICI Prudential Infrastructure Fund

To generate capital appreciation and income distribution to unit holders by investing predominantly in equity/equity related securities of the companies belonging to the infrastructure development and balance in debt securities and money market instruments.

Research Highlights for ICICI Prudential Infrastructure Fund

Highest AUM (₹8,232 Cr).
Oldest track record among peers (20 yrs).
Top rated.
Risk profile: High.
5Y return: 29.68% (upper mid).
3Y return: 23.71% (bottom quartile).
1Y return: -0.97% (bottom quartile).
Alpha: 0.00 (upper mid).
Sharpe: 0.00 (bottom quartile).
Information ratio: 0.00 (upper mid).
Higher exposure to Industrials vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~94%).
High-quality debt (AAA/AA ~100%).
Largest holding Larsen & Toubro Ltd (~9.0%).

Below is the key information for ICICI Prudential Infrastructure Fund

ICICI Prudential Infrastructure Fund Growth
Launch Date	31 Aug 05
NAV (16 Dec 25)	₹193.55 ↓ -2.09 (-1.07 %)
Net Assets (Cr)	₹8,232 on 31 Oct 25
Category	Equity - Sectoral
AMC	ICICI Prudential Asset Management Company Limited
Rating	☆☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0
Information Ratio	0
Alpha Ratio	0
Min Investment	5,000
Min SIP Investment	100
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹16,536
30 Nov 22	₹21,423
30 Nov 23	₹28,347
30 Nov 24	₹40,177
30 Nov 25	₹42,083

ICICI Prudential Infrastructure Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹627,226.
Net Profit of ₹327,226 Invest Now

Returns for ICICI Prudential Infrastructure Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25

Duration	Returns
1 Month	-3%
3 Month	-1.6%
6 Month	-1.1%
1 Year	-1%
3 Year	23.7%
5 Year	29.7%
10 Year
15 Year
Since launch	15.7%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	27.4%
2023	44.6%
2022	28.8%
2021	50.1%
2020	3.6%
2019	2.6%
2018	-14%
2017	40.8%
2016	2%
2015	-3.4%

Fund Manager information for ICICI Prudential Infrastructure Fund

Name	Since	Tenure
Ihab Dalwai	3 Jun 17	8.42 Yr.
Sharmila D’mello	30 Jun 22	3.34 Yr.

Data below for ICICI Prudential Infrastructure Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Industrials	38.24%
Financial Services	14.97%
Basic Materials	12.93%
Energy	10.52%
Utility	10.49%
Real Estate	2.69%
Consumer Cyclical	1.96%
Communication Services	1.25%

Asset Allocation

Asset Class	Value
Cash	5.98%
Equity	93.94%
Debt	0.08%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
Larsen & Toubro Ltd (Industrials) Equity, Since 30 Nov 09 \| LT	9%	₹743 Cr	1,843,204
NTPC Ltd (Utilities) Equity, Since 29 Feb 16 \| 532555	4%	₹370 Cr	10,976,448 ↑ 646,975
NCC Ltd (Industrials) Equity, Since 31 Aug 21 \| NCC	3%	₹277 Cr	13,053,905
Adani Ports & Special Economic Zone Ltd (Industrials) Equity, Since 31 May 24 \| ADANIPORTS	3%	₹269 Cr	1,854,934
Reliance Industries Ltd (Energy) Equity, Since 31 Jul 23 \| RELIANCE	3%	₹265 Cr	1,779,725 ↓ -250,000
Axis Bank Ltd (Financial Services) Equity, Since 31 Dec 20 \| 532215	3%	₹246 Cr	1,996,057
Vedanta Ltd (Basic Materials) Equity, Since 31 Jul 24 \| 500295	3%	₹232 Cr	4,700,000 ↓ -1,579,591
AIA Engineering Ltd (Industrials) Equity, Since 28 Feb 21 \| AIAENG	3%	₹228 Cr	701,953 ↑ 41,183
Kalpataru Projects International Ltd (Industrials) Equity, Since 30 Sep 06 \| KPIL	3%	₹227 Cr	1,803,566
IndusInd Bank Ltd (Financial Services) Equity, Since 31 Oct 24 \| INDUSINDBK	2%	₹193 Cr	2,424,016 ↑ 450,000

2. SBI PSU Fund

The objective of the scheme would be to provide investors with opportunities for long-term growth in capital along with the liquidity of an open-ended scheme through an active management of investments in a diversified basket of equity stocks of domestic Public Sector Undertakings and in debt and money market instruments issued by PSUs AND others.

Research Highlights for SBI PSU Fund

Bottom quartile AUM (₹5,714 Cr).
Established history (15+ yrs).
Rating: 2★ (bottom quartile).
Risk profile: High.
5Y return: 27.79% (bottom quartile).
3Y return: 26.70% (upper mid).
1Y return: 0.72% (upper mid).
Alpha: -0.58 (bottom quartile).
Sharpe: 0.09 (upper mid).
Information ratio: -0.57 (bottom quartile).
Higher exposure to Financial Services vs peer median.
Top bond sector: Cash Equivalent.
Equity-heavy allocation (~99%).
High-quality debt (AAA/AA ~100%).
Largest holding State Bank of India (~16.3%).

Below is the key information for SBI PSU Fund

SBI PSU Fund Growth
Launch Date	7 Jul 10
NAV (16 Dec 25)	₹32.7398 ↓ -0.25 (-0.77 %)
Net Assets (Cr)	₹5,714 on 31 Oct 25
Category	Equity - Sectoral
AMC	SBI Funds Management Private Limited
Rating	☆☆
Risk	High
Expense Ratio	1.89
Sharpe Ratio	0.09
Information Ratio	-0.57
Alpha Ratio	-0.58
Min Investment	5,000
Min SIP Investment	500
Exit Load	0-1 Years (1%),1 Years and above(NIL)

Growth of 10,000 investment over the years.

Date	Value
30 Nov 20	₹10,000
30 Nov 21	₹13,886
30 Nov 22	₹18,323
30 Nov 23	₹23,973
30 Nov 24	₹36,302
30 Nov 25	₹38,023

SBI PSU Fund SIP Returns

Total investment amount is ₹300,000
expected amount after 5 Years is ₹598,181.
Net Profit of ₹298,181 Invest Now

Returns for SBI PSU Fund

Returns up to 1 year are on absolute basis & more than 1 year are on CAGR (Compound Annual Growth Rate) basis. as on 16 Dec 25

Duration	Returns
1 Month	-3.7%
3 Month	2.7%
6 Month	1.9%
1 Year	0.7%
3 Year	26.7%
5 Year	27.8%
10 Year
15 Year
Since launch	8%

Historical performance (Yearly) on absolute basis

Year	Returns
2024	23.5%
2023	54%
2022	29%
2021	32.4%
2020	-10%
2019	6%
2018	-23.8%
2017	21.9%
2016	16.2%
2015	-11.1%

Fund Manager information for SBI PSU Fund

Name	Since	Tenure
Rohit Shimpi	1 Jun 24	1.42 Yr.

Data below for SBI PSU Fund as on 31 Oct 25

Equity Sector Allocation

Sector	Value
Financial Services	37.03%
Utility	29.3%
Energy	13.78%
Industrials	12.67%
Basic Materials	5.75%

Asset Allocation

Asset Class	Value
Cash	1.48%
Equity	98.52%

Top Securities Holdings / Portfolio

Name	Holding	Value	Quantity
State Bank of India (Financial Services) Equity, Since 31 Jul 10 \| SBIN	16%	₹930 Cr	9,927,500
Bharat Electronics Ltd (Industrials) Equity, Since 30 Jun 24 \| BEL	10%	₹553 Cr	12,975,000
NTPC Ltd (Utilities) Equity, Since 31 Jul 10 \| 532555	9%	₹490 Cr	14,543,244
Power Grid Corp Of India Ltd (Utilities) Equity, Since 31 Jul 10 \| 532898	8%	₹476 Cr	16,535,554
GAIL (India) Ltd (Utilities) Equity, Since 31 May 24 \| 532155	8%	₹471 Cr	25,750,000
Bharat Petroleum Corp Ltd (Energy) Equity, Since 31 Aug 24 \| 500547	6%	₹346 Cr	9,700,000
Bank of Baroda (Financial Services) Equity, Since 31 Aug 24 \| 532134	5%	₹306 Cr	11,000,000
NMDC Ltd (Basic Materials) Equity, Since 31 Oct 23 \| 526371	4%	₹211 Cr	27,900,000
Indian Bank (Financial Services) Equity, Since 30 Jun 21 \| 532814	4%	₹208 Cr	2,427,235
Oil India Ltd (Energy) Equity, Since 31 Mar 24 \| OIL	3%	₹167 Cr	3,850,000

Disclaimer:
All efforts have been made to ensure the information provided here is accurate. However, no guarantees are made regarding correctness of data. Please verify with scheme information document before making any investment.