# PPF Calculators

Calculate Year-wise interest/Return, available loan / withdrawal, maturity amount, cumulative deposit, cumulative interest and cumulative interest to deposit ratio for fixed monthly, fixed yearly and variable yearly investment in PPF accounts. These calculators take into account changes in interest rates. We have tried to make these calculators most comprehensive and user friendly. However, we shall be glad to receive your feedback and / or suggestions to make these calculators more user friendly.

### PPF Calculator - Fixed Monthly Investment

 Select month of opening the account JanuaryFebnuaryMarchAprilMayJuneJulyAugustSeptemberOctoberNovemberDecember Select Financial Year of opening PPF account 1986-87 1987-88 1988-89 1989-90 1990-91 1991-92 1992-93 1993-94 1994-95 1995-96 1996-97 1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 Enter Fixed Monthly Investment / Deposit Click on 'Submit' Button to view year-wise details
Year-wise details of PPF Account - Fixed Monthly Investment
Financial YearInterest Rate
%
During the YearCumulated Upto the Year Closing BalanceLoan AvailableWithdrawal Available
DepositInterestDepositInterestIntt. to Dep. Ratio
Notes :
1. The interest for the year 2017-18 is calculated @ 7.825% [(7.9 x 3 + 7.8 x 9)/12].
2. The interest for the year 2016-17 is calculated @ 8.05% [(8.1+8.0)/2].
3. The calculations are based on the presumption that the amount is invested every month between 1st and 5th of the month starting from April of the year so that the investment qualifies for interest for the whole year.
4. Interest rate applied for future years is Current Interest Rate.
5. The calculator takes into account change of interest rate during financial year ( e.g. in Financial year 1999-2000, as interest rate changed w.e.f. 15.01.2000, interest has been calculated @ 12 % for 10 months and @ 11% for 2 months. )

### PPF Calculator - Fixed Yearly Investment

 Select Financial Year of opening PPF account 1986-87 1987-88 1988-89 1989-90 1990-91 1991-92 1992-93 1993-94 1994-95 1995-96 1996-97 1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 Enter Fixed Annual Investment / Deposit Click on 'Submit' Button to view year-wise details
Year-wise details of PPF Account - Fixed Annual Investment
Financial YearInterest Rate
%
During the YearCumulated Upto the Year Closing BalanceLoan AvailableWithdrawal Available
DepositInterestDepositInterestIntt. / Dep. Ratio
Notes :
1. The interest for the year 2017-18 is calculated @ 7.825% [(7.9 x 3 + 7.8 x 9)/12].
2. The interest for the year 2016-17 is calculated @ 8.05% [(8.1+8.0)/2].
3. The calculations are based on the presumption that the amount is invested every year between 1st and 5th of April and it qualifies for interest for the whole year.
4. Interest rate applied for future years is Current Interest Rate.
5. The calculator takes into account change of interest rate during financial year ( e.g. in Financial year 1999-2000, as interest rate changed w.e.f. 15.01.2000, interest has been calculated @ 12 % for 10 months and @ 11% for 2 months. )

### PPF Calculator - Variable Yearly Investment

 Select Financial Year of opening PPF account 1986-87 1987-88 1988-89 1989-90 1990-91 1991-92 1992-93 1993-94 1994-95 1995-96 1996-97 1997-98 1998-99 1999-00 2000-01 2001-02 2002-03 2003-04 2004-05 2005-06 2006-07 2007-08 2008-09 2009-10 2010-11 2011-12 2012-13 2013-14 2014-15 2015-16 2016-17 2017-18 Financial Year Amount Deposited Financial Year Amount Deposited Financial Year Amount Deposited Financial Year Amount Deposited
Year-wise details of PPF Account - Variable Annual Investment
Financial YearInterest Rate
%
During the YearCumulated Upto the Year Closing BalanceLoan AvailableWithdrawal Available
DepositInterestDepositInterestIntt. / Dep. Ratio
Notes :
1. The interest for the year 2017-18 is calculated @ 7.825% [(7.9 x 3 + 7.8 x 9)/12].
2. The interest for the year 2016-17 is calculated @ 8.05% [(8.1+8.0)/2].
3. The calculations are based on the presumption that the amount is invested every year between 1st and 5th of April and it qualifies for interest for the whole year.
4. Interest rate applied for future years is Current Interest Rate.
5. The calculator takes into account change of interest rate during financial year ( e.g. in Financial year 1999-2000, as interest rate changed w.e.f. 15.01.2000, interest has been calculated @ 12 % for 10 months and @ 11% for 2 months. )

### PPF Calculator - Tax Benefit

 Tax Benefits Fixed Annual Contribution (Max. Rs. 1.50 lacs) Interest Rate Select Age group < 60 years>= 60 < 80 years>= 80 years Total Income Total contribution made in 15 years Maturity Amount after 15 years Tax free interest income Income Tax Liability before investment Income Tax Liability after investment Annual Tax Savings Total Tax Savings in 15 years Note: The calculations are based on Income Tax Slabs & rates for AY 2016-17 and the assumption that no other investment under Section 80C is made.

### PPF Calculator - Interest Current Year

Month Opening Balance as on 1st April of the Year Applicable Interest Rate for the year ( Change, if it is not current rate ) April May June July August September October November December January February March Interest for the Financial Year Closing Balance for the Financial Year * The effective balance for monthly interest application is the minimum closing balance between 5th and last date of the month.

### PPF Calculator - Available Withdrawal during FY 2017-18 ( Before Extension )

 Balance of the Account as on 31.03.2017 Balance of the Account as on 31.03.2014 Maximum Permissible Withdrawal Amount Withdrawal Rules ( Before Extension ) : Withdrawals are available once every year from PPF account after expiry of five years from the end of Financial Year in which the initial deposit was made i.e. withdrawal from PPF account is available from seventh year. The amount of withdrawal is restricted to 50% of the credit balance at the end of the fourth year immediately preceding the year of withdrawal or the year immediately preceding the year of withdrawal, whichever is lower. Application in prescribed form ( Form C ) is to be made for withdrawal along with the pass book of the account. In case, the withdrawal is sought from minor's Account, the guardian has to make a declaration that the money is required for the use/benefit of the minor.

### PPF Calculator - Withdrawal ( After Extension )

 Balance at the start of the extension block of 5 years Amount withdrawn since start of extension block of 5 years Maximum Permissible Withdrawal Amount Withdrawal Rules ( After Extension ) : One withdrawal is permitted in every financial year. The total amount of withdrawal is restricted to 60% of the credit balance at the start of the extension block of 5 years. Application in prescribed form ( Form C ) is to be made for withdrawal along with the pass book of the account. In case, the withdrawal is sought from minor's Account, the guardian has to make a declaration that the money is required for the use/benefit of the minor.

### PPF Calculator - Available Loan (During FY 2017-18)

 Balance of the Account as on 31.03.2016 Permissible Loan Amount Loan Rules The loan facility is available any time after expiry of one year from the end of the year in which the initial subscription was made but before expiry of five years from the end of the year in which the initial subscription was made i.e. the loan facility is available during third to sixth financial year of opening the account. Application in prescribed form ( Form D ) is to be made for loan along with the pass book of the account. The loan can be taken up to 25% of the amount in the account at the end of the second year immediately preceding the year in which the loan is applied for.

### PPF Interest Rates

PeriodPPF Interest Rate
01.04.1986 to 14.01.200012%
15.01.2000 to 28.02.200111%
01.03.2001 to 28.02.20029.5%
01.03.2002 to 28.02.20039%
01.03.2003 to 30.11.20118%
01.12.2011 to 31.03.20128.6%
01.04.2012 to 31.03.20138.8%
01.04.2013 to 31.03.20168.7%
01.04.2016 to 30.09.20168.1%
01.10.2016 to 31.03.20178.0%
01.04.2017 to 30.06.20177.90%
01.07.2017 onwards7.80%

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PPF account features