Last Updated - 11.02.2018

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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.

- 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.
- 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.
- The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

- 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.
- The calculator takes into account change of interest rate during financial years.
- Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
- Current Interest rate is applied for future years.

- 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.
- 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.
- The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

- 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.
- The calculator takes into account change of interest rate during financial years.
- Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
- Current Interest rate is applied for future years.

- 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.
- 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.
- The calculator provides option to "View / Hide Year-wise details" for the number of years selected by you in the "Calculation Mode".

- 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.
- The calculator takes into account change of interest rate during financial years.
- Interest rate displayed for past years is applied for calculation of accrued interest for past years and current year.
- Current Interest rate is applied for future years.

This PPF calculator is not based on any presumtion regarding the date and month of opening SSY account or depositng monthly / yearly instalments and hence it is most accurate calculator. You can use this calculator to check calculation of interest in your account since the date of opening of your account. This calculator, however, calculates the interest and clasing balance upto the end of current financial year and does not calculate the maturity amount of PPF account. The other calculators available on this page estimate the maturity value of your PPF account based on presumtions of date and month of opening the account, deposit of monthly / yearly instalments and future interest rate as current prevailing interest rate. You can use other calculator available on this page to find the estimate maturity amount of PPF account as per the periodicity and amount of your investment.

Period | PPF Interest Rate |
---|---|

01.04.1986 to 14.01.2000 | 12% |

15.01.2000 to 28.02.2001 | 11% |

01.03.2001 to 28.02.2002 | 9.5% |

01.03.2002 to 28.02.2003 | 9% |

01.03.2003 to 30.11.2011 | 8% |

01.12.2011 to 31.03.2012 | 8.6% |

01.04.2012 to 31.03.2013 | 8.8% |

01.04.2013 to 31.03.2016 | 8.7% |

01.04.2016 to 30.09.2016 | 8.1% |

01.10.2016 to 31.03.2017 | 8.0% |

01.04.2017 to 30.06.2017 | 7.90% |

01.07.2017 to 31.12.2017 | 7.80% |

01.01.2018 onwards | 7.60% |