The PPF calculators available on this page are one of the most accurate and user friendly PPF Calculators available online. The calculators take into account the changes in interest rate and also the month of change of interest rate during a financial year. We shall be glad to receive your feedback and / or suggestions to make the calculators more user friendly.
Select to Calculate / View
Calculate PPF balance, accrued interest, loan and withdrawal amounts for FIXED MONTHLY investment.
Calculate PPF balance, accrued interest, loan and withdrawal amounts for FIXED YEARLY investment.
Calculate PPF balance, accrued interest, loan and withdrawal amounts for VARIABLE YEARLY investment.
Calculate LOAN available during 2014-15
Calculate WITHDRAWAL available during 2014-15 ( Before Extension / After Extension )
View PPF Interest Rates since 1st April 1986.
Year-wise details of PPF Account - Fixed Annual Investment
Financial Year
Interest Rate
Opening Balance
Amount Deposited
Interest
Closing Balance
Loan Available
Withdrawal Available
Notes :
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.
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.
In Financial year 2000-01, as interest rate changed w.e.f. 01.03.2001, interest has been calculated @ 11 % for 11 months and @ 9.5% for 1 month.
In Financial year 2001-02, as interest rate changed w.e.f. 01.03.2002, interest has been calculated @ 9.5 % for 10 months and @ 9% for 1 month.
In Financial year 2011-12, as interest rate changed w.e.f. 01.12.2011, Interest has been calculated @ 8 % for 8 months and @ 8.60% for 4 months.
Year-wise details of PPF Account - Fixed Annual Investment
Financial Year
Interest Rate
Opening Balance
Amount Deposited
Interest
Closing Balance
Loan Available
Withdrawal Available
Notes :
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.
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.
In Financial year 2000-01, as interest rate changed w.e.f. 01.03.2001, interest has been calculated @ 11 % for 11 months and @ 9.5% for 1 month.
In Financial year 2001-02, as interest rate changed w.e.f. 01.03.2002, interest has been calculated @ 9.5 % for 11 months and @ 9% for 1 month.
In Financial year 2002-03, as interest rate changed w.e.f. 01.03.2003, interest has been calculated @ 9 % for 11 months and @ 8% for 1 month.
In Financial year 2011-12, as interest rate changed w.e.f. 01.12.2011, Interest has been calculated @ 8 % for 8 months and @ 8.60% for 4 months.
Year-wise details of PPF Account - Variable Annual Investment
Financial Year
Interest Rate
Opening Balance
Amount Deposited
Interest
Closing Balance
Loan Available
Withdrawal Available
Notes :
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.
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.
In Financial year 2000-01, as interest rate changed w.e.f. 01.03.2001, interest has been calculated @ 11 % for 11 months and @ 9.5% for 1 month.
In Financial year 2001-02, as interest rate changed w.e.f. 01.03.2002, interest has been calculated @ 9.5 % for 10 months and @ 9% for 1 month.
In Financial year 2011-12, as interest rate changed w.e.f. 01.12.2011, Interest has been calculated @ 8 % for 8 months and @ 8.60% for 4 months.
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.
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.
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.