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Download PPF Calculator 2020 in Excel

Download PPF Calculator 2020 in Excel to calculate Date Interest amount, Maturity amount, Return on Investment, Permissible Loan amount and Permissible Withdrawal amount for


Download PPF Calculator 2020 in Excel

FAQs : PPF Accounts :

This PPF calculator can be used by a person, who is eligible to open a PPF account or has a PPF account in SBI, HDFC, PNB, BOB, ICICI or any other authorised bank or post office for calculation of Date of Maturity, Interest Rate, Interest Amount, Return on Investment, Maturity Amount, available Withdrawal and Loan Amount for Investment in PPF Account.

In this connection, please note that PPF Rules and Rate of Interest in all authorised banks / Post Offices are same as PPF Rules and Rate of Interest are notified by Government of India. No Bank or Post Office can offer interest higher or lower than the Interest Rate notified by the Government or can have PPF Rules different than those notified by the Government. However, facilities like Online transfer of funds may not be available with all authorised banks. You should, therefore, look into available facilities at the time of opening your account.

A PPF account can be opened at a designated branch of any authorsed bank or Post Office. The list of authorised banks for (Public Provident Fund) is as under:

State Bank of India (SBI)ICICI Bank
HDFC BankCentral Bank of India (CBI)
Bank of India (BOI)Union Bank of India (UBI)
Bank of Maharasntra (BOM)IDBI Bank
Bank of Baroda (BOB)Vijaya Bank
Allahadbad BankCanara Bank
Corporation BankDena Bank
in Indian BankAxis Bank
in Indian Overseas Bank (IOB)Punjab National Bank (PNB)
United Bank of IndiaSyndicate Bank
Andhra BankUCO Bank

The PPF interest rate is notified by Central Government from time to time and is applicable to all authorised banks and post offices.

The current PPF interest is 7.10% p.a. applicable w.e.f. 01.04.2020.

The PPF interest rates since 01.04.1986 have been as under:

Period Interest Rate Period Interest Rate
01.04.1986 to 14.01.200012.00 % p.a.01.04.2013 to 31.03.20168.70 % p.a.
15.01.2000 to 28.02.200111.00 % p.a.01.04.2016 to 30.09.20168.10 % p.a.
01.03.2001 to 28.02.20029.50 % p.a.01.10.2016 to 31.03.20178.00 % p.a.
01.03.2002 to 28.02.20039.00 % p.a.01.04.2017 to 30.06.20177.90 % p.a.
01.03.2003 to 30.11.20118.00 % p.a.01.07.2017 to 31.12.20177.80 % p.a.
01.12.2011 to 31.03.20128.60 % p.a.01.01.2018 to 30.09.20187.60 % p.a.
01.04.2012 to 31.03.20138.80 % p.a.01.10.2018 to 30.06.20198.00 % p.a.
01.07.2019 to 31.03.20207.90 % p.a.01.04.2020 onwards7.10 % p.a.

The interest is payable on minimum balance available 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.

As per PPF Rules, PPF account matures after expiry of 15 years from the close of financial year in which the account was opened. Therefore, an account opened on say 10th October 2010, will mature on 1st April 2026 (after expiry of 15 years from the end of financial year in which the account was opened i.e. 31.03.2011) and not on 10th October 2025 (after expiry of 15 years from the date of opening of the account).

On the expiry of 15 financial years from the end of financial year in which the account was opened, a PPF account can be extended for a further period of five years at a time by submitting an application on Form H.

The investment made in a PPF accounts upto prescribed limits are eligible for relief under section 80C of Income Tax Act. The interest earned in a PPF accounts is exempt from Income Tax.

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

PPF (Public Provident Fund) is a No Risk investment scheme of the Government of India.

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Updated : Dec. 24, 2020