PPF Extension Calculator India — Returns After 15 Years 2026
Public Provident Fund · 7.1% p.a. · EEE Tax-Free · Section 80C · 15-Year Lock-in
The most underrated PPF decision: what happens at 15-year maturity? Option 1 — extend with contribution (keep investing, retain 80C benefit). Option 2 — extend without contribution (let ₹40L+ compound at 7.1%, withdraw any amount yearly). Option 2 effectively gives you a tax-free 7.1% "pension" fund with no lock-in. Many experts call this the best retirement instrument available in India.
Tax-Free
Tax-Free
Tax-Free
💰 PPF Extension Calculator India
Govt revises quarterly. Current rate: 7.1% (FY2025-26)
Base 15 yrs. Extendable in 5-yr blocks (20, 25, 30 yrs)
Triple
Tax-Free
📅 Year-by-Year Breakdown
| Year | Opening Balance | Annual Deposit | Interest Earned | Closing Balance | Withdrawal Eligible |
|---|---|---|---|---|---|
| 1 | ₹0 | ₹50,000 | +₹3,550 | ₹53,550 | 🔒 Locked |
| 2 | ₹53,550 | ₹50,000 | +₹7,352 | ₹1,10,902 | 🔒 Locked |
| 3 | ₹1,10,902 | ₹50,000 | +₹11,424 | ₹1,72,326 | 🔒 Locked |
| 4 | ₹1,72,326 | ₹50,000 | +₹15,785 | ₹2,38,111 | 🔒 Locked |
| 5 | ₹2,38,111 | ₹50,000 | +₹20,456 | ₹3,08,567 | 🔒 Locked |
🧾 80C Tax Benefit Breakdown
📐 PPF Interest Calculation Formula
PPF Maturity Formula (Yearly Compounding):
📖 Example Calculation
Deposit: ₹1,00,000/year | Rate: 7.1% p.a. | Tenure: 15 years
💼 Real Life Use Cases
₹1.5L/yr × 30 yrs @ 7.1% → ₹1.54 Cr tax-free retirement corpus
₹50K/yr from child's birth → ₹27L ready when child turns 15
₹1L/yr × 15 yrs → ₹27L for property purchase, zero tax
30% slab: ₹1.5L deposit saves ₹46,800 tax/year + builds corpus
Frequently Asked Questions
What are PPF extension options after 15 years?
Option 1 — Extend WITH contribution: continue investing ₹500–₹1.5L/year, earn 80C deduction, get full interest. Renewable in 5-year blocks. Option 2 — Extend WITHOUT contribution: no fresh deposit, no 80C. Interest earned annually. Can withdraw any amount once per year, any number of times. No lock-in.
Can I extend PPF multiple times?
Yes — PPF can be extended indefinitely in 5-year blocks. After 15 years → extend 5 more to 20 years → extend again to 25 years etc. Each extension requires application within 1 year of block maturity. Maximum theoretical PPF tenure: unlimited (many people use it as retirement account for 30–40 years).
What if I miss PPF extension window?
If you neither withdraw nor apply for extension within 1 year of maturity, account enters post-maturity phase: account continues, interest accrues at PPF rate, but no fresh contributions allowed. You can close anytime. It's essentially the same as extension without contribution, but you lose option to later choose extension with contribution.
Is PPF extension worth it for retired people?
Excellent for retirees — Extension without contribution gives: (1) Tax-free interest growth (7.1% on large corpus). (2) Complete liquidity — withdraw any amount anytime. (3) Zero lock-in. (4) Government safety. For ₹40L corpus, annual tax-free interest = ₹2.84L (₹23,667/month equivalent). Much better than bank FD post-tax for 30% slab investors.
📌 Key Takeaways
- ✅ PPF Extension Calculator India helps compute exact maturity with year-wise interest breakup
- ✅ Current PPF interest rate is 7.1% p.a. for FY2025-26, compounded annually
- ✅ PPF has EEE status — investment, interest, and maturity all completely tax-free
- ✅ Max deposit ₹1.5 lakh per year, minimum ₹500. Up to 12 instalments per year
- ✅ Partial withdrawal allowed from Year 6 onwards, once per year (max 50%)
- ✅ PPF account can be extended in 5-year blocks after 15 years
- ✅ Loan against PPF available from Year 3 to 6 at PPF rate + 1%
- ✅ Sovereign guarantee — zero default risk, backed by Government of India