Modified on : 2nd July, 2018
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PPF Calculators
Calculate Interest, Return, Maturity, Withdrawal & Loan

  1. 1. Calculate PPF Interest, Return & Maturity Amount
  2. 2. Calculate Available PPF Withdrawal during 2018-19
  3. 3. Calculate Available PPF Loan during 2018-19
  4. 4. Calculate Yearly PPF Interest

1. PPF Calculators : Interest, Return and Estimated Maturity Amount
For Fixed Monthly, Fixed Yearly, Variable Monthly and Variable Yearly Investment

Enter data in applicable unshaded cells
Select Calculator
Select Financial Year of Account Opening
Select Calculation Period
Opening Balance, if any
Enter Fixed Monthly InvestmentMaximum
Upto FY 2010-11 : ₹ 5830/- p. m. (70000/12 in multiples of 5)
FY 2011-12 to FY 2013-14 : ₹ 8330/- p. m. (100000/12 in multiples of 5)
FY 2014-15 onwards : ₹ 13330/- p. m. (150000/12 in multiples of 5)
Enter Fixed Yearly InvestmentMaximum
Upto FY 2010-11 : ₹ 70,000/- p. a.
FY 2011-12 to FY 2013-14 : ₹ 1,00,000/- p. a.
FY 2014-15 onwards : ₹ 1,50,000/- p. a.
Enter Year-wise Monthly InvestmentsMaximum
Upto FY 2010-11 : ₹ 5830/- p. m. (70000/12 in multiples of 5)
FY 2011-12 to FY 2013-14 : ₹ 8330/- p. m. (100000/12 in multiples of 5)
FY 2014-15 onwards : ₹ 13330/- p. m. (150000/12 in multiples of 5)
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit
Enter Year-wise amount of Yearly InvestmentMaximum
Upto FY 2010-11 : ₹ 70,000/- p. a.
FY 2011-12 to FY 2013-14 : ₹ 1,00,000/- p. a.
FY 2014-15 onwards : ₹ 1,50,000/- p. a.
Financial YearYearly depositFinancial YearYearly depositFinancial YearYearly deposit

2 (a). Calculate Available PPF Withdrawal During FY 2018-19 (Before Extension)

Balance of the Account as on 31.03.2018
Balance of the Account as on 31.03.2015
Maximum Permissible Withdrawal Amount
Withdrawal Rules ( Before Extension ) : View
  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.

2 (b). Calculate Available PPF Withdrawal During FY 2018-19 (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 ) : View
  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.

3. Calculate Available PPF Loan during FY 2018-19

Balance of the Account as on 31.03.2017
Permissible Loan Amount
Loan Rules View
  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.

4. Calculate Yearly PPF Interest

This calculator calculates the exact amount of interest due / accrued in your PPF account based on the investment data entered by you.

Select Financial Year for Interest Calculation
Opening Balance as on 1st April of the Year
Enter data / infomation in unshaded cells.
MonthInterest rateAmount DepositedWithdrawalEffective 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 Interest Rates

PeriodInterest RatePeriodInterest Rate
01.04.1986 to 14.01.200012.00%01.04.2013 to 31.03.20168.70%
15.01.2000 to 28.02.200111.00%01.04.2016 to 30.09.20168.10%
01.03.2001 to 28.02.20029.50%01.10.2016 to 31.03.20178.00%
01.03.2002 to 28.02.20039.00%01.04.2017 to 30.06.20177.90%
01.03.2003 to 30.11.20118.00%01.07.2017 to 31.12.20177.80%
01.12.2011 to 31.03.20128.60%01.01.2018 onwards7.60%
01.04.2012 to 31.03.20138.80%