PPF Calculator
Calculate PPF maturity amount, yearly interest & balance
| Year Includes Extension | Opening Balance | Deposit | Interest Earned | Closing Balance |
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Frequently Asked Questions
Can I withdraw PPF before 15 years?
Premature closure is allowed only after 5 years for specific reasons (serious illness, higher education). A 1% interest penalty applies. Partial withdrawal is allowed from Year 7.
Is PPF available for NRIs?
No. NRIs cannot open new PPF accounts. Accounts opened before NRI status can be maintained till maturity at a reduced interest rate (Post Office savings rate).
When is PPF interest credited?
Interest is calculated monthly on the lowest balance between the 5th and last day of the month, but credited annually on 31st March. Deposit before the 5th to earn interest for that month.
Can I take a loan against PPF?
Yes. A loan can be taken from 3rd to 6th financial year, up to 25% of the balance at the end of 2nd preceding year. The loan carries a 1% interest rate above PPF rate.