FD Vs PPF Calculator

Use this FD Vs PPF Calculator to do comparison between Fixed Deposit and Public Provident Fund Returns.

PPF vs FD Calculator

Compare PPF and fixed deposit returns using your own investment amount, rate, tenure and compounding choices.

PPF Details

Yearly Deposit

Amount deposited once a year. Deposit is assumed to be credited by the 5th of April.

Investment Frequency

The deposit amount is per selected instalment.

PPF Interest Rate (%)

PPF Duration (Years)

PPF starts with a 15-year tenure. Extensions are generally in 5-year blocks.

FD Details

Deposit Amount

Time Period (Years)

FD Interest Rate (%)

Compounding Period

FD uses the standard compound-interest model with the selected compounding frequency.

Adjust results for inflation

Expected Inflation Rate (%)

Inflation Value shows the estimated purchasing power of the future value in today's rupees.

Comparison Result—PPF and FD are calculated from their separate inputs.

PPF Maturity₹0

FD Maturity₹0

PPF Interest₹0

FD Interest₹0

PPF

₹0

Investment₹0

Interest₹0

FD

₹0

Deposit₹0

Interest₹0

PPF Inflation-Adjusted Breakdown

₹0Inflation Value

Investment: ₹0

Interest: ₹0

FD Inflation-Adjusted Breakdown

₹0Inflation Value

Investment: ₹0

Interest: ₹0

PPF Standard Breakdown

₹0Total Value

Investment: ₹0

Interest: ₹0

FD Standard Breakdown

₹0Total Value

Investment: ₹0

Interest: ₹0

Complete Comparison

Investment	Contribution / Deposit	Rate	Tenure	Invested	Interest	Future Value	Inflation Value

Quick takeawayCalculate to compare PPF and FD.

PPF uses the verified monthly-interest model: interest is calculated monthly at the annual rate divided by 12 on the balance after the assumed deposit, then credited annually. FD uses standard compound interest with the selected compounding frequency. Inflation results are estimates, not tax-adjusted returns.