🏛️ Advanced PPF Calculator 2026
PPF Calculator
Maturity, Withdrawal & Tax Saving
Calculate PPF returns at 7.1%, partial withdrawal eligibility, loan against PPF, 80C tax saving & 5-year extension strategy — all in one place.
✓ 7.1% p.a. Rate
✓ Year-wise Schedule
✓ Withdrawal Rules
✓ Loan Calculator
✓ 80C Tax Saving
✓ Extension Planning
PPF Investment Details
Yearly Investment
₹500₹1.5L (Max)
Investment Period
15 Yrs (Min)50 Yrs
Investment Month (April–June earns full year interest)
Existing PPF BalanceAlready have some balance?
Tax Slab (for 80C savings calculation)
PPF Maturity Results
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Gain %
Total Invested
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Total Interest (Tax-Free)
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80C Tax Saved
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🏦 Maturity Amount (Tax-Free)
—
At 7.1% p.a. | 15 years | EEE Tax Benefit
Total Invested
—
Over full tenure
Total Interest Earned
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100% Tax-Free
💚 80C Tax Saved
—
Over full tenure
Effective Return (Post-Tax)
—
Equivalent pre-tax FD rate
Partial Withdrawal (Yr 7)
—
Max eligible from Year 7
📅 Year-wise PPF Schedule
Partial Withdrawal
Loan Available
Extension
| Year | Deposit | Cum. Deposit | Interest | Cum. Interest | Balance | Withdrawal? | Loan Limit |
|---|
📈 PPF Balance Growth
💸 Partial Withdrawal Eligibility
📋 Rule: Withdrawal allowed from Year 7 onwards. Max amount = 50% of balance at end of Year 4 OR 50% of balance at end of preceding year — whichever is lower. Only one withdrawal per year allowed.
🏦 Loan Against PPF
📋 Loan available from Year 3 to Year 6. Max = 25% of balance at end of 2nd year. Interest = PPF rate + 1% (currently 8.1%). Repay within 36 months.
💡 Note: After 6th year, loan facility is no longer available. Instead, partial withdrawal from Year 7 is more beneficial — no repayment required, higher amount eligible.
📅 PPF Extension After 15 Years
After 15 years, choose one of these options. Extension is in blocks of 5 years each.
💡 Best Strategy: If you don’t need money immediately, always extend with contribution. ₹1.5L/year investment at 7.1% for an additional 5 years adds significant tax-free corpus. The power of compounding on the maturity balance is enormous.
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TechCompare Finance Tools Team
PPF calculations verified against official India Post and SBI PPF interest calculation methodology. Rules updated as per Ministry of Finance notifications. About us →
Why PPF is India’s Best Tax-Saving Investment
PPF (Public Provident Fund) is a EEE (Exempt-Exempt-Exempt) investment — completely tax-free at all three stages:
| Stage | PPF | FD | ELSS |
|---|---|---|---|
| Investment (80C) | ✅ Exempt | ✅ (5yr FD) | ✅ Exempt |
| Interest/Returns | ✅ Tax-Free | ❌ Taxable | ⚠️ 10% LTCG |
| Maturity | ✅ Tax-Free | ❌ TDS | ⚠️ LTCG Tax |
| Effective Return (30% slab) | ~10.1%* | ~4.9% | Varies |
*7.1% tax-free is equivalent to ~10.1% taxable return for someone in the 30% bracket.
PPF Key Rules — Quick Reference
| Feature | Rule |
|---|---|
| Minimum deposit | ₹500/year |
| Maximum deposit | ₹1,50,000/year |
| Tenure | 15 years (extendable by 5) |
| Interest rate | 7.1% p.a. (Q1 2026) |
| Interest credited | 31st March every year |
| Interest calculation | On min balance (5th-last day) |
| Partial withdrawal | From Year 7 onwards |
| Loan facility | Year 3 to Year 6 |
| Premature closure | After 5 years (medical/education) |
| Tax benefit | Sec 80C (up to ₹1.5L) + EEE |
PPF Interest Calculation Trick
PPF interest is calculated on the minimum balance between 5th and last day of each month. This means:
- Invest before 5th of April to earn interest for the entire year
- If you invest on 6th April or later, you lose one month’s interest
- Investing in April (₹1.5L) earns ~₹10,650 extra vs investing in March
- Always make PPF contribution in April, ideally on 1st–4th April
PPF Extension Strategy
After 15-year maturity, you have a powerful choice:
- Withdraw and reinvest in a new PPF — but lock-in restarts from Year 1
- Extend with contribution — best for wealth building, continues 80C benefit
- Extend without contribution — great if you need liquidity; balance keeps growing at 7.1%, withdraw anytime
- Extensions are in blocks of 5 years each, unlimited times
- ₹40L maturity corpus extended at 7.1% = ~₹56L after 5 more years (without adding anything!)
Frequently Asked Questions
What is the current PPF interest rate in 2026? ▼
7.1% per annum, compounded annually. Unchanged since April 2020. The Government reviews PPF rates quarterly. Interest is credited on 31st March every year.
Can I withdraw from PPF before 15 years? ▼
Partial withdrawal from Year 7 onwards — maximum 50% of balance at end of Year 4 or 50% of preceding year balance, whichever is lower. Full premature closure allowed after 5 years only for medical/education emergency (1% penalty on interest).
Is PPF interest tax-free? ▼
Yes, 100% tax-free. PPF has EEE status — investment deductible under Section 80C, interest is tax-exempt under Section 10(11), and maturity is completely tax-free. The most tax-efficient investment in India.
When should I invest in PPF each year? ▼
Always invest before 5th April to earn interest for the entire financial year. PPF interest is calculated on the minimum balance between 5th and last day of each month. Investing on 1st–4th April is ideal.
PPF or ELSS — which is better for tax saving? ▼
PPF: Guaranteed returns (7.1%), EEE tax benefit, no market risk, 15-year lock-in. ELSS: Potential for higher returns (12-18%), only 3-year lock-in, but 10% LTCG tax on gains above ₹1L, market risk. Choose PPF for safety, ELSS for growth potential.