PPF Calculator 2019 for SBI, HDFC, ... All Banks & Post Office
Use these online PPF Calculators for calculation of anything relating to your PPF account viz. PPF interest rate, Interest Amount, Maturity Date, Maturity Amount, Return on Investment for maturity period from 15 years to 50 years. You can also calculate available Withdrawal / Loan during the current year.
All PPF calculators have up-to-date interest rates, updated upto Government of India, Ministry of Finance Notification F.No.01/04/2016 dated 28th June 2019 for Interest rates on Small Savings Schemes applicable w.e.f. 1st July 2019.
You can use these PPF calculators for account in any authorized bank (like State Bank of India (SBI), HDFC, ICICI, PNB, BOB, IDBI etc.) or Post Office.
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.
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, 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 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.
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.
FAQs :
Click on Question to view / hide its content / answer.
▲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. This calculator can be used for PPF account in any authorised bank or post office.
▲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 7.90% p.a. applicable w.e.f. 01.07.2019.
▲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 14.01.2000
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 onwards
7.90 %
▲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.