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Public Provident Fund Calculator 2020 & 2021

Select PPF Calculator :

PPF Interest, Maturity and Return Calculator

Calculate Date of Maturity, Applicable Interest Rate, Interest amount, Maturity amount and Return on Investment for


Download PPF Calculator in Excel

Investment ModeFixed YearlyFixed Monthly Variable Yearly
FY of A/C Opening
Calculation Period
Opening Balance, if any
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.
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.
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.
FYMonthly depositFYMonthly depositFYMonthly deposit
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.
FYYearly depositFYYearly depositFYYearly deposit
Period from end of FY of A/C openingDate of MaturityInvestmentMaturity ValueReturn on Investment
15 Years
20 Years (After 1st Extension)
25 Years (After 2nd Extension)
30 Years (After 3rd Extension)

  • 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.

Available PPF Withdrawal / Loan Calculator

Calculate available amount of Withdrawal / Loan during current financial year for before or after extension of PPF account.

Select Date of Account Opening
Balance of the Account as on 31.03.2020
Balance of the Account as on 31.03.2017
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.
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.
Balance of the Account as on 31.03.2019
Permissible Loan during 2020-21
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.
No Loan / Withdrawal is yet available in your account.

FAQs : PPF Accounts :

This PPF calculator can be used by a person, who is eligible and wishes to open a PPF account or has a PPF account

  • For account in SBI, HDFC, PNB, BOB, ICICI or any other authorised bank or Post Office.
  • For Fixed Monthly / Yearly or Variable Yearly Investment modes.
  • For calculation of Date of Maturity, Interest Rate, Interest Amount, Return on Investment, Maturity Amount, available Withdrawal / Loan Amount.
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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