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PPF Calculators for FY 2020-21

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PPF Interest, Maturity and Return Calculator
Actual PPF Interest and Yearly Balance Calculator
Available PPF Withdrawal / Loan Calculator

PPF Interest, Maturity and Return Calculator

What are features of PPF Interest, Maturity and Return Calculator?

This User-friendly PPF Calculator has following features and functions :

Calculates Date of Maturity, Applicable Interest Rate, Estimated amount of Interest, Maturity amount and Return on Investment for
- Yearly (Fixed and Variable) and Monthly (Fixed and Yearly variable) modes of investments.
- Calculation for 15 years, 20 years, 25 years and 30 years.
- Accounts opened since 1986-87 to till date.
- Account in SBI / HDFC / ICICI / PNB / BOB / any other authorised bank or Post Office.
Displays graph of year-wise growth

FY	Monthly deposit	FY	Monthly deposit	FY	Monthly deposit
Investment Mode		Fixed		Yearly	Monthly
Investment Mode		Variable (Yearly)		Yearly	Monthly
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.
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.
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)

PPF Year-wise Growth Chart

Hide / Show Columns
Year	FY	Intt rate	During Year		Upto Year			RoI
Year	FY	Intt rate						RoI

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

What calculations are made by Actual PPF Interest and Yearly Balance Calculator?

This PPF Calculator calculates actual amount of yearly interest earned and closing balance on yearly basis for PPF accounts opened since 1986-87 to till date. You can use this calculator to check correctness of application of interest in your PPF account for any year since 1986-87.

Month	Intt. rate	Amount Deposited		With- drawal	Effective Balance *
Select Financial Year
Opening Balance as on 1st April of the Year, if any
Month	Intt. rate	Upto 5th	After 5th	With- drawal	Effective Balance *
Apr 2020	7.1				0
May 2020	7.1				0
Jun 2020	7.1				0
Jul 2020	7.1				0
Aug 2020	7.1				0
Sep 2020	7.1				0
Oct 2020	7.1				0
Nov 2020	7.1				0
Dec 2020	7.1				0
Jan 2021	7.1				0
Feb 2021	7.1				0
Mar 2021	7.1				0
* The effective balance for interest application is the minimum closing balance between 5th and last date of the month.

Interest for the Financial Year					0
Closing Balance for the Financial Year					0

Available PPF Withdrawal / Loan Calculator

What calculations are made by Available PPF Withdrawal / Loan Calculator?

This PPF Calculator calculates available amount of Withdrawal / Loan during current financial year for before and / or after extension of PPF account.

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 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. 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. Application in prescribed form (Form C) is to be made for withdrawal along with the pass book of the account. 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 ) 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. Application in prescribed form (Form C) is to be made for withdrawal along with the pass book of the account. 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 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. Application in prescribed form (Form D) is to be made for loan along with the pass book of the account. 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.

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Updated : Nov 26, 2020

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