PPF Calculator

PPF Interest Rate 2019-20 SBI, Post Office

PPF Interest Rate in SBI, ICICI, HDFC, BOB, Post office 2019 - PPF Calculator

Last Updated : May 14, 2019

PPF Calculator is an easy way to calculate PPF interest online. Current PPF interest rate is 8% with effective from April 1st, 2019.

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Deposite Term

PPF Account Calculator

PPF account calculator tool will be helpful to you if you are saving/investing money under PPF scheme. You can estimate earned interests, maturity amount over the period or can estimate how your investment grows over the years. You need to just enter deposit amount and select term of deposit and it will calculate your invenstment grow for next 15 financial years.

PPF Calculator

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Public Provident Fund (PPF) Account

The Public Provident Fund (PPF) is a savings-cum-tax-saving scheme in India. It has been introduced in 1968 by National Saving Institute of the Ministry of Finance in 1968 (by Central Government). The goal of the scheme is to mobilize small savings by offering an investment with reasonable returns combined with income tax benefits.(Tax exemption : EEE)

  • Income tax benefit under section 80C on invested amount (up to Rs. 150,000/- under 80-C).
  • Earned interest is fully 100% tax exempted.
  • PPF final amount is totally tax exempted.

PPF Account Rules

  • Current PPF interest rate is 8% effective from April 1st, 2019.
  • PPF account has lock-in period of 15 years. Thereafter, subscriber can be extended for 1 or more block of 5 years each.
  • Minimum deposit of Rs. 500 required per financial year to maintain PPF account.
  • PPF account has maximum deposit amount per financial year limit is Rs. 1,50,000
  • PPF amount can be deposited in lump sum or in a maximum of 12 installments per year.
  • Interest earned on provident fund and final amount is fully exempted from wealth tax.
  • You can get loan against PPF account.
  • One can open only and only one PPF account.

PPF Interest Rate 2019 - 2020

PeriodYearPPF Interest Rates
1st April 2019 to onwards2019-208.0%
1st January 2019 to 31st March 20192018-198.0%
1st October 2018 to 31st December 20182018-198.0%
1st July 2018 to 30th September 20182018-197.6%
1st April 2018 to 30th June 20182018-197.6%
1st January 2018 to 31st March 20182017-187.6%
1st October 2017 to 31st December 20172017-187.8%
1st July 2017 to 30th September 20172017-187.8%
1st April 2017 to 30th June 20172017-187.9%
01st January 2017 to 31st March 20172016-178.0%
1st October 2016 to 31st December 20162016-178.0%
1st July 2016 to 30th September 20162016-178.1%
1st April 2016 to 30th June 20162016-178.1%
1st April 2015 to 31st Mar 20162015-168.7%
1st April 2014 to 31st Mar 20152014-158.7%
1st Apr 2013 to 31st Mar 20142013-148.7%
1st Apr 2012 to 31st Mar 20132012-138.8%
1st Dec 2011 to 31st Dec 20122011-128.6%
1st Mar 2005 to 30th Nov 20112005-118.8%

PPF Withdrawal Rules

  • Withdrawals are permitted only after completion of 7 years from the day of PPF account opening.
  • One can withdraw at starting of financial year.
  • Only 50% of the closing balance at the end of the 4th year prior to the year when the money is being withdrawn or 50% of the closing balance of the previous year, whichever is lower will be the limit.
  • If a loan has been taken from the PPF account, the loan amount will be deducted from the amount that can be withdrawn.
  • Only one withdrawal is allowed per financial year.

PPF Account Benefits

  • Under section 80C, the investment in PPF give you a full tax deduction. The tax deduction for these investments is of EEE category.
  • Contributions to PPF accounts of the spouse and children are also eligible for tax deduction. Tax concession is capped at Rs. 150,000 of your total income in a financial year.
  • Also, earned interest and withdrawals are tax exempted.


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