Last Updated - 11.02.2018

PPF Calculator

PPF is one of the most favorable TAX SAVING option. Know more about salient features of PPF accounts..

Calculate PPF Interest, Return, Maturity amount for various modes of investment viz. fixed monthly, variable monthly, fixed yearly, variable yearly investment. You can also calculate available loan / withdrawal during current financial year and check interest application in your account. The PPF calculators available on this page are applicable for PPF accounts with all authorised public / private sector banks and post offices. These calculators take into account PPF interest rate changes since 1986 and updated upto latest announced rate.

Click / Tap on the Calculator Name to 'View and Use' or 'Hide' the calculator.

PPF Calculator - Fixed / Variable Monthly Investment

Information about PPF Fixed / Variable Monthly Investment Calculator

  1. The calculator opens with a table providing options to Select "Calculator Mode" from 15 years and 30 Years, Select "Finacial Year" of opening PPF account from 1986-87 to current finacial year, Select whether amount of monthly investment will be FIXED every year or VARY year to year and to enter the amount of fixed / Variable amount of monthly deposit / investment for the number of number of years selected by you in the "Calculator Mode". On Click / Tap of the "Reset" button, the information entered and calculations made are erased and calculator restarts.
  2. On click / tap of "Submit" button, the calculator displays a calculation table showing interest accrued, deposit made during a year and deposit made, interest accrued, balance and return on investment upto the end of year. The calculator also displays financial year and the applicable rate of interest for the last year of Calculator mode selected by you.
  3. The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

About Calculations

  1. As per PPF Rules, the interest is applied on minimum closing balance between 5th and last day of the month. Therefore, the calculations are based on the presumption that the account is opened in April and monthly investment is made on or before 5th of every month. The interest is compounded annually.
  2. The calculator takes into account change of interest rate during financial years.
  3. Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
  4. Current Interest rate is applied for future years.

Enter data / infomation in unshaded cells.
Select Financial Year of opening PPF account
Select Calculator Mode
Select Investment Mode
Enter amount of Fixed Monthly Investment
Enter Year-wise amount of Monthly Investments
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit

PPF Calculator - Fixed Yearly Investment

Information about PPF Fixed Yearly Investment Calculator

  1. The calculator opens with a table providing options to Select "Calculator Mode" from 15 years, 20 Years, 25 Years and 30 Years, Select "Finacial Year" of opening PPF account from 1986-87 to current finacial year and to enter the amount of fixed annual deposit / investment. On Click / Tap of the "Reset" button, the information entered and calculations made are erased and calculator restarts.
  2. On click / tap of "Submit" button, the calculator displays a calculation table showing interest accrued, deposit made during a year and deposit made, interest accrued, balance and return on investment upto the end of year. The calculator also displays financial year and the applicable rate of interest for the last year of Calculator mode selected by you.
  3. The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

About Calculations

  1. As per PPF Rules, the interest is applied on minimum closing balance between 5th and last day of the month. Therefore, the calculations are based on the presumption that the account is opened in April and monthly investment is made on or before 5th of April every year. The interest is compounded annually.
  2. The calculator takes into account change of interest rate during financial years.
  3. Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
  4. Current Interest rate is applied for future years.

Enter data / infomation in unshaded cells.
Select Calculator Mode
Select Financial Year of opening PPF account
Enter Fixed Annual Investment / Deposit
Click on 'Submit' Button to view year-wise details

PPF Calculator - Variable Yearly Investment

Information about PPF Variable Yearly Investment Calculator

  1. The calculator opens with a table providing options to Select "Calculator Mode" from 15 years and 30 Years, Select "Finacial Year" of opening PPF account from 1986-87 to current finacial year and to enter the amount of annual deposit / investment for the number of number of years selected by you in the "Calculator Mode". On Click / Tap of the "Reset" button, the information entered and calculations made are erased and calculator restarts.
  2. On click / tap of "Submit" button, the calculator displays a calculation table showing interest accrued, deposit made during a year and deposit made, interest accrued, balance and return on investment upto the end of year. The calculator also displays financial year and the applicable rate of interest for the last year of Calculator mode selected by you.
  3. The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

About Calculations

  1. As per PPF Rules, the interest is applied on minimum closing balance between 5th and last day of the month. Therefore, the calculations are based on the presumption that the account is opened in April and monthly investment is made on or before 5th of April every year. The interest is compounded annually.
  2. The calculator takes into account change of interest rate during financial years.
  3. Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
  4. Current Interest rate is applied for future years.

Enter data / infomation in unshaded cells.
Select Calculator Mode
Select Financial Year of opening PPF account
Enter amount of investment during years since opening of account
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit

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 / infomation in 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.

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.

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.

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 to 31.12.20177.80%
01.01.2018 onwards7.60%