PPF Calculator
Calculate Interest, Return, Maturity, Withdrawal & Loan

PPF is one of the best Tax Saving Option available to Indian Tax payers in view of its risk free tax benefits and safety of investment. PPF Calculator, by Finotax, is easy to use online tool to calculate Interest, Maturity Amount and Return on Fixed Monthly / Variable Monthly / Fixed Yearly / Variable Yearly Investment in existing or new PPF Account for 15 years / 30 years. Calculate available withdrawal / loan and check correctness of interest applied in PPF account. The PPF calculator takes into account applicable interest rate since 1986.

The PPF Calculator calculates interest and maturity as per PPF rules. The interest is applied on minimum closing balance between 5th and last day of the month. Therefore, the estimated maturity amount calculations are based on the presumptions that the account is opened in April and monthly investment is made on or before 5th of April (for yearly investments) and on or before 5th of every month for monthly investments. The interest is compounded annually. Interest rate, as displayed, is applied for calculation of interest for the respective past years. Current Interest rate is applied for future years.

As PPF is a Government Scheme, PPF accounts in all authorised banks and Post Offices are governed by same PPF Rules. Therefore, this calculator can be used for PPF account in any authorised bank (viz SBI, ICICI, HDFC, IDBI, PNB, BOB etc.) and authorised Post Office in India.

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

Enter data in applicable unshaded cells
Select Calculator
Select Financial Year
Select Calculator Mode
Opening Balance
Enter amount of Fixed Monthly Investment
Enter Year-wise amount of Monthly Investments
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit
Enter amount of Fixed Yearly Investment
Enter amount of Year-wise amount of Yearly Investments
Financial YearYearly depositFinancial YearYearly depositFinancial YearYearly deposit
Year-wise Calculation Details
YearFinancial YearInterest Rate %During the YearUpto the Year
DepositInterestDepositInterestBalanceReturn on Investment

PPF Available Withdrawal During FY 2018-19 (Before Extension) Calculator

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 ) :
  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 Available Withdrawal During FY 2018-19 (After Extension) Calculator

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 Available Loan during FY 2018-19 Calculator

Balance of the Account as on 31.03.2017
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 Yearly Interest Calculator

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
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%01.04.2013 to 31.03.20168.7%
15.01.2000 to 28.02.200111%01.04.2016 to 30.09.20168.1%
01.03.2001 to 28.02.20029.5%01.10.2016 to 31.03.20178.0%
01.03.2002 to 28.02.20039%01.04.2017 to 30.06.20177.90%
01.03.2003 to 30.11.20118%01.07.2017 to 31.12.20177.80%
01.12.2011 to 31.03.20128.6%01.01.2018 onwards7.60%
01.04.2012 to 31.03.20138.8%

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