Last Updated - 18.01.2018

PPF Calculator

PPF (Public Provident Scheme) is one of the most favourite Tax Saving option because :

  • Investments made in PPF accounts upto prescribed limits are eligible for relief under section 80C of Income Tax Act.
  • Interest earned in PPF accounts is exempt from Income Tax.
  • The balance in a PPF account cannot be attached under a court decree.
  • It is a no risk investment scheme.
  • But for the long maturity period of 15 years, PPF is one of the best available tax saving option.

For more details about the scheme please visit this page.

PPF calculators for calculation of PPF Interest, Return, Maturity amount for all type of calculations viz. fixed monthly, variable monthly, fixed yearly, variable yearly investment, available loan, available withdrawal and for checking of interest application during any year. The PPF calculators available on this page are applicable for PPF accounts opened with All authorised public sector and private sector banks and post offices. These calculators take into account PPF interest rate changes since 1986 and updated upto Current Rate. We have endeavoured to make these calculators accurate and user friedly.

Select PPF Calculator :

PPF Calculator - Fixed / Variable Monthly Investment

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
Year-wise details of Interest, Investments, %ge Return and Balance
YearFinancial YearInterest Rate %During the YearUpto the Year Withdrawal Available
DepositInterestDepositInterestBalanceReturn
  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 Calculator Mode
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 Interest, Investments, %ge Return and Balance
YearFinancial YearInterest Rate %During the YearUpto the Year Withdrawal Available
DepositInterestDepositInterestReturnBalance
  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 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
Year-wise details of Interest, Investments, %ge Return and Balance
YearFinancial YearInterest Rate %During the YearUpto the Year
DepositInterestDepositInterestReturnBalance
  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 to 31.12.20177.80%
01.01.2018 onwards7.60%