Estimated PPF Interest, Maturity and Return Calculator
Use this PPF calculator for calculation of date of maturity, applicable interest rate, estimated amount of Interest, Return on Investment and Maturity and to view graph of year-wise growth for any period from 15 years to 50 years in multiples of 5 years.
for Fixed Monthly and Fixed Yearly, Fixed Monthly but Variable Yearly, Fixed Yearly and Variable Yearly modes of investments.
for accounts opened since financial year 1990-91 to till date (Updated for interest rate w.e.f. 01.04.2020).
Period After Fin. Year of Account opening
Date of Maturity
Investment
Estimated Maturity Value
Return on Investment (ROI)
After 15 years
After 20 years (1st Extension)
After 25 years (2nd Extension)
After 30 years (3rd Extension)
After 35 years (4th Extension)
After 40 years (5th Extension)
After 45 years (6th Extension)
After 50 years (7th Extension)
Chart of Year-wise Growth
Hide / Show Columns
Year
FY
Intt rate
During Year
Upto Year
RoI
Year
FY
Intt. Rate %
During the Year
Upto the Year
RoI %
Deposit
Interest
Deposit
Interest
Balance
0
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2
3
4
5
6
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Presumptions made in calculations :
The account 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 interest 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.
Actual PPF Interest and Yearly Balance Calculator
Use this PPF Calculator for calculation of actual amount of yearly interest earned and closing balance on yearly basis for PPF accounts opened since financial year 1990-91 to till date.
PPF Withdrawal / Loan Calculator
Use this PPF Calculator for calculation of available amount of Withdrawal / Loan during current financial year for before and after extension of PPF account.
FAQs : PPF Accounts :
Who can use this PPF Calculator?
This PPF calculator can be used by any person, who is eligible to open a PPF account or has a PPF account in any authorised bank or post office for calculation of Interest, Return, Maturity, available Withdrawal and Loan Amount for Investment in PPF Account.
Who decides PPF Interest rate?
The PPF interest rate is notified by Central Government from time to time and is applicable to all authorised banks and post offices.
What is current PPF interest rate?
The current rate is 7.10% p.a. applicable w.e.f. 01.04.2020.
What have been PPF Interest rates in the past?
The PPF interest rates since 01.04.1986 have been as under:
Period
Interest Rate
Period
Interest Rate
01.04.1986 to 14.01.2000
12.00 %
01.04.2013 to 31.03.2016
8.70 %
15.01.2000 to 28.02.2001
11.00 %
01.04.2016 to 30.09.2016
8.10 %
01.03.2001 to 28.02.2002
9.50 %
01.10.2016 to 31.03.2017
8.00 %
01.03.2002 to 28.02.2003
9.00 %
01.04.2017 to 30.06.2017
7.90 %
01.03.2003 to 30.11.2011
8.00 %
01.07.2017 to 31.12.2017
7.80 %
01.12.2011 to 31.03.2012
8.60 %
01.01.2018 to 30.09.2018
7.60 %
01.04.2012 to 31.03.2013
8.80 %
01.10.2018 to 30.06.2019
8.00 %
01.07.2019 to 31.03.2020
7.90%
01.04.2020 onwards
7.10% %
How PPF interest is applied and compounded?
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.
How PPF account maturity is calculated?
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).
What is extension of PPF 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.
What are tax benefits of investing in PPF account?
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.
What are special provisions relating to PPF accounts?
The balance in a PPF account is exempt from Wealth Tax it cannot be attached under a court decree.
What are risks of investing in PPF?
PPF (Public Provident Fund) is a No Risk investment scheme.