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PPF Calculator 2020

Who can use the PPF Calculator?

The PPF calculator can be used by any person, who has a PPF account in any authorised bank (SBI, HDFC, PNB, ICICI etc.) or post office or who is eligible and wishes to open a PPF account.

What Calculations are made by the PPF Calculator?

  1. The Estimated PPF Interest, Maturity and Return Calculator can be used 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).
  2. The Actual PPF Interest and Yearly Balance Calculator can be used 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.
  3. The Available PPF Withdrawal / Loan Calculator can be used for calculation of available amount of Withdrawal / Loan during current financial year for before and after extension of PPF account.

Select and Use / View

1. Estimated PPF Interest, Maturity and Return Calculator

Use this PPF Calculator for PPF account in any authorized bank (SBI, HDFC, ICICI, PNB, BOB, IDBI, ....) or Post Office. Features of this Calculator are view more ...
  • Calculation of PPF Account Maturity Date and estimated PPF Interest, Maturity Amount and Return on Investment (RoI).
  • The calculator takes into account applicable rates notified by the Central Government from time to time since 1st April 2000 upto the current date.
  • The calculation of future Interest is made at the current prevailing PPF Interest rate.
  • The calculator provides option for selecting Period of Investment from 15 years to 50 years, in multiples of 5 years.
  • The calculator provides option for selecting investment in Fixed Yearly or Fixed Monthly or Yearly Investment-Variable Yearly and Monthly Investment-Variable Yearly modes.
  • The calculator also shows Graph of Year-wise Growth in PPF Account.

Select Investment Mode
Select FY of A/C 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.
Monthly Investment - Variable Yearly
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.
FY Monthly deposit FY Monthly deposit FY Monthly deposit
Yearly Investment - Variable Yearly
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.
FY Yearly deposit FY Yearly deposit FY Yearly deposit
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
YearFYIntt. Rate %During the YearUpto the YearRoI %
DepositInterestDepositInterestBalance
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Presumptions made in calculations : View
  • 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.

2. Actual PPF Interest and Yearly Balance Calculator

Use this PPF Calculator for PPF account in any authorized bank (SBI, HDFC, ICICI, PNB, BOB, IDBI, ....) or Post Office. Features of this calculator are view more ...
  • Calculation of actual PPF Interest, Maturity Amount and Return on Investment (RoI).
  • The calculator takes into account actual date of investment in PPF account. Thus, the calculation of interest is actual as per the applicable interest rate upto the current date.
  • The calculation of future Interest is made at the current prevailing PPF Interest rate.
  • The calculations are on yearly basis. On Click / Tap on "Calculate for Next Year" the Closing Balance of the Current Year gets carried over as "Opening Balance for the Next Year" and applicable interest rate also change.

Select Financial Year
Opening Balance as on 1st April of the Year, if any
Month Intt.
rate 		Amount Deposited With-
drawal 		Effective Balance *
Upto 5th After 5th
Apr 20207.10
May 20207.10
Jun 20207.10
Jul 20207.10
Aug 20207.10
Sep 20207.10
Oct 20207.10
Nov 20207.10
Dec 20207.10
Jan 20217.10
Feb 20217.10
Mar 20217.10
* 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

Available PPF Withdrawal / Loan Calculator

Use this PPF Calculator for PPF account in any authorized bank (SBI, HDFC, ICICI, PNB, BOB, IDBI, ....) or Post Office. Features of this calculator are view more ...
  • Calculation of available Loan from PPF account in the current financial year.
  • Calculation of available Withdrawal from PPF account in the current financial year.

Select Date of Account Opening
Balance of the Account as on 31.03.2019
Balance of the Account as on 31.03.2016
Maximum Permissible Withdrawal Amount
Withdrawal Rules ( Before Extension ) during 2019-20: 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 31.03.2018
Permissible Loan during 2019-20
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.

Important Features of 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 is history of PPF Interest rates?

  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 %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 to 30.06.20198.00 %
01.07.2019 to 31.03.20207.90%01.04.2020 onwards7.10% %
 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.
Updated : Mar 31, 2020