Last modified - 31.10.2017

PPF Calculator

Calculate PPF Interest, Return, Maturity amount for fixed monthly, variable monthly, fixed yearly, variable yearly investment, available loan, available withdrawal and interest application during any year. These calculators take into account PPF interest rate changes since 1986.

Select PPF Calculator :

Fixed / Variable Monthly InvestmentAvailable Withdrawal (Before Extension)
Fixed Yearly InvestmentAvailable Withdrawal (After Extension)
Variable Yearly InvestmentAvailable Loan
Check Interest Application for any Year

PPF Calculator - Fixed / Variable Monthly Investment

Select Financial Year of opening PPF account
Select Fixed / Variable monthly investment
Enter amount of Fixed Monthly Investment
Enter Year-wise amount of Monthly Investments
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit
Year-wise Calculation Details
YearFinancial
Year
Interest
Rate %
Investment during yearInterest for the YearAmount
Invested
Interest
Earned
Return
%ge
Closing
Balance
With-
drawal Available
1st
2nd
3rd
4th
5th
6th
7th
8th
9th
10th
11th
12th
13th
14th
15th
16th
17th
18th
19th
20th
21st
22nd
23rd
24th
25th
26th
27th
28th
29th
30th

Notes :

  1. The calculations are based on the presumption that the account is opened in April and monthly investment is made before 5th of every month.
  2. Interest rate applied for future years is Current Interest Rate.
  3. The calculator takes into account change of interest rate during financial year.

PPF Calculator - Fixed Yearly Investment

Select Financial Year of opening PPF account
Enter Fixed Annual Investment / Deposit
Year-wise Calculation Details
YearFinancial
Year
Interest
Rate %
Investment during yearInterest for the YearAmount
Invested
Interest
Earned
Return
%ge
Closing
Balance
With-
drawal Available
1st
2nd
3rd
4th
5th
6th
7th
8th
9th
10th
11th
12th
13th
14th
15th
16th
17th
18th
19th
20th
21st
22nd
23rd
24th
25th
26th
27th
28th
29th
30th

Notes :

  1. The calculations are based on the presumption that the account is opened in April and monthly investment is made before 5th of April every year.
  2. Interest rate applied for future years is Current Interest Rate.
  3. The calculator takes into account change of interest rate during financial year.

PPF Calculator - Variable Yearly Investment

Select Financial Year of opening PPF account
Enter amount of yearly investment since opening of account
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit
Year-wise Calculation Details
YearFinancial
Year
Interest
Rate %
Investment during yearInterest for the YearAmount
Invested
Interest
Earned
Return
%ge
Closing
Balance
With-
drawal Available
1st
2nd
3rd
4th
5th
6th
7th
8th
9th
10th
11th
12th
13th
14th
15th
16th
17th
18th
19th
20th
21st
22nd
23rd
24th
25th
26th
27th
28th
29th
30th

Notes :

  1. The calculations are based on the presumption that the account is opened in April and monthly investment is made before 5th of April every year.
  2. Interest rate applied for future years is Current Interest Rate.
  3. The calculator takes into account change of interest rate during financial year.

PPF Interest (During a Year) Calculator

You can use this calculator to check interest application in your PPF account during a year.

Select Year for the interest calculations
Opening Balance as on 1st April of the Year
Enter data in applicable unshaded cells
MonthInterest rateAmount DepositedEffective Balance *
Upto 5thAfter 5th
Interest for the Financial Year
Closing Balance for the Financial Year
* The effective balance for interest application is the minimum closing balance between 5th and last date of the month.

PPF Calculator - Calculate 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 ) :
  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.

PPF Calculator - Calculate available 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 ) :
  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.

PPF Calculator - Calculate available Loan (During FY 2017-18)

Balance of the Account as on 31.03.2016
Permissible Loan Amount
Loan Rules
  1. 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.
  2. Application in prescribed form ( Form D ) is to be made for loan along with the pass book of the account.
  3. 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%