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Updated on : December 15, 2018

PPF (Public Provident Fund) Calculator

PPF (Public Provident Fund) Account is a favorite tax saving investment option of Indian tax payers. The important features and benefits of PPF accounts are :

PPF Interest Application and Compunding:

The PPF interest rate is notified by Central Government from time to time and is same for all authorised banks and post offices. The current rate is 8.00% p.a. w.e.f. 01.10.2018.

PPF Interest Application and Compounding:

The interest is payable on minimum balance availabe in the account from 5th to last day of month. The interest is applied on last day of the financial year and is compounded at yearly rests.

Benefits under Sction 80C

Deposits made in PPF accounts upto prescribed limits are eligible for relief under section 80C of Income Tax Act.

Taxability of PPF Interest

Interest earned in PPF accounts is exempt from Income Tax.

Special Provisions

The balance in a PPF account is exempt from Wealth Tax. The balance in a PPF account cannot be attached under a court decree.

No Risk Investment

PPF (Public Provident Fund) is a no risk investment scheme.



PPF Calculators

Use these Easy and Simple PPF Calculators for calculation of Interest, Maturity Amount and Return on Investment for 15 / 30 years and available withdrawal / loan from PPF account. The calculators have updated interest rates upto 1st October 2018.

PPF Estimated Interest, Maturity value and Return on Investment (RoI) Calculator

Select Investment Mode
Select Financial Year of Account Opening
Select Calculation Period
Opening Balance, if any
Fixed Monthly Investment
Upto FY 2010-11 : ₹ 5,830/- p. m.
FY 2011-12 to FY 2013-14 : ₹ 8,330/- p. m.
FY 2014-15 onwards : ₹ 12,500/- p. m.
Fixed Yearly Investment
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.
Variable Monthly Investments
Upto FY 2010-11 : ₹ 5,830/- p. m.
FY 2011-12 to FY 2013-14 : ₹ 8,330/- p. m.
FY 2014-15 onwards : ₹ 12,500/- p. m.
Financial YearMonthly depositFinancial YearMonthly depositFinancial YearMonthly deposit
Variable Yearly Investments
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
Date of MaturityTotal Investment
Estimated Maturity ValueReturn on Investment (ROI)
Chart : Year-wise Growth in PPF account
Presumptions made in calculations : View
  • The acount is opened during 1st April to 5th April.
  • In case of Yearly investments, the investments are made during 1st April - 5th April every year so that the investments qualify for interests for the whole year.
  • In case of Monthly investments, the investments are made during 1st - 5th of every month so that the investments qualify for interest for the month of investment.
  • Current Interest rate is applied for all future interest calculations.

PPF Actual Interest and Yearly Balance Calculator

This calculator does not make any presumpions regarding date and month of opening of account and date and / or month of making investment. Therefore, the calculations are exact and accurate. Use this calculator to check and verify calculation of Interest and Yearly Balance of your PPF account for any year since 2000-01 on year to year basis. A click or tap on "Calculate for Next Year" button will automatically carry over the Closing Balance of this year as Opening Balance for the next year, change Financial Year and applicable Interest Rate(s).

Select Financial Year
Opening Balance as on 1st April of the Year, if any
MonthInterest rateAmount DepositedWithdrawalEffective Balance *
Upto 5thAfter 5th
Apr. 20187.60
May 20187.60
Jun 20187.60
Jul. 20187.60
Aug. 20187.60
Sep. 20187.60
Oct. 20188.00
Nov. 20188.00
Dec. 20188.00
Jan. 20198.00
Feb. 20198.00
Mar. 20198.00
* The effective balance for interest application is the minimum closing balance between 5th and last date of the month.
Interest for the Financial Year0
Closing Balance for the Financial Year0

PPF Available Loan / Withdrawal Calculator

Select Date of Account Opening
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.
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.
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.
No Loan / Withdrawal is yet available in your account.

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 to 30.09.20187.60 %
01.04.2012 to 31.03.20138.80 %01.10.2018 onwards8.00 %

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