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PPF Calculators

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.

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  1. Calculate PPF balance, accrued interest, loan and withdrawal amounts for FIXED MONTHLY investment.
  2. Calculate PPF balance, accrued interest, loan and withdrawal amounts for FIXED YEARLY investment.
  3. Calculate PPF balance, accrued interest, loan and withdrawal amounts for VARIABLE YEARLY investment.
  4. Calculate LOAN available during 2013-14
  5. Calculate WITHDRAWAL available during 2013-14 ( Before Extension / After Extension )
  6. View PPF Interest Rates since 1st April 1986.
PPF Calculator - Fixed Monthly Investment
Select Financial Year of opening PPF account
Enter Fixed Monthly Investment / Deposit
Click on 'Submit' Button to view year-wise details
Year-wise details of PPF Account - Fixed Annual Investment
Financial YearInterest RateOpening BalanceAmount DepositedInterestClosing BalanceLoan AvailableWithdrawal Available
Notes :
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
PPF Calculator - Fixed Yearly Investment
Select Financial Year of opening PPF account
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 RateOpening BalanceAmount DepositedInterestClosing BalanceLoan AvailableWithdrawal Available
Notes :
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
  6. 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.
PPF Calculator - Variable Yearly Investment
Select Financial Year of opening PPF account
Financial YearAmount DepositedFinancial YearAmount DepositedFinancial YearAmount DepositedFinancial YearAmount Deposited
Year-wise details of PPF Account - Variable Annual Investment
Financial YearInterest RateOpening BalanceAmount DepositedInterestClosing BalanceLoan AvailableWithdrawal Available
Notes :
  1. 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.
  2. 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.
  3. 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.
  4. 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.
  5. 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.
Loan available during Financial Year 2013-14
Balance of the Account as on 31.03.2011
Permissible Loan Amount

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 available during Financial Year 2013-14 ( before extension of account )
Balance of the Account as on 31.03.2013
Balance of the Account as on 31.03.2010
Maximum Permissible Withdrawal Amount

Withdrawal Rules ( Before Extension ) :

  1. 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.
  2. 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.
  3. Application in prescribed form ( Form C ) is to be made for withdrawal along with the pass book of the account.
  4. 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 available ( after extension of account )
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 ) :

  1. 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.
  2. Application in prescribed form ( Form C ) is to be made for withdrawal along with the pass book of the account.
  3. 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.

5. PPF Interest Rates since 01.04.1986

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 onward8.7%