PPF Withdrawal Calculator India — Partial Withdrawal Rules 2026
Public Provident Fund · 7.1% p.a. · EEE Tax-Free · Section 80C · 15-Year Lock-in
PPF allows partial withdrawal from Year 7 (6th year completion), up to 50% of balance at end of 4th year or preceding year, whichever is lower. Only one withdrawal per financial year allowed. This calculator tells you exactly how much you can withdraw in any given year based on your PPF balance, and how the withdrawal affects your final maturity amount.
Tax-Free
Tax-Free
Tax-Free
💰 PPF Withdrawal 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
When can I do partial withdrawal from PPF?
First partial withdrawal allowed from 7th financial year (after completing 6 full years). If PPF opened in FY 2020-21, first withdrawal possible in FY 2026-27. After that, one withdrawal per financial year until maturity. Withdrawal amount: lower of 50% of balance at year-4 end or 50% of preceding year end.
Can I take loan against PPF?
Yes — loan available from 3rd to 6th financial year. Maximum loan = 25% of balance at end of 2nd year preceding application year. Interest rate: PPF rate + 1% = 8.1% (currently). Repayment: 24 months (interest) + 36 months (principal). Second loan allowed after first is fully repaid. Cheaper than personal loan.
Can I prematurely close PPF before 15 years?
Yes — premature closure allowed after 5 years for specific reasons only: life-threatening illness of account holder, spouse or dependent children/parents; higher education of account holder or minor child; change of residential status (NRI). Penalty: 1% reduction in applicable interest rate. Documentation required for each reason.
What is the PPF nomination process?
Nominate online (YONO/bank netbanking) or via Form E at branch. Can nominate up to 4 nominees with percentage shares. Minor nominee needs guardian details. Nomination should be updated after marriage, birth of children. Without nomination, legal heirs must go through succession certificate process — cumbersome and time-consuming.
📌 Key Takeaways
- ✅ PPF Withdrawal 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