PPF Calculator

Prepared by: Karthikeyan Chellappa

Choose your investment frequency
and the investment amount

Input Parameters Calculations

Investment Frequency Monthly PPF Interest Rate
Investment Amount ₹ 11,100

Year 1
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 2
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance
 Year 3
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 4
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 5
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 6
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 7
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 8
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 9
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 10
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 11
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 12
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 13
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 14
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance

Year 15
Month Deposit
Apr 11,100
May 11,100
Jun 11,100
Jul 11,100
Aug 11,100
Sep 11,100
Oct 11,100
Nov 11,100
Dec 11,100
Jan 11,100
Feb 11,100
Mar 11,100
Year End Balance
 PPF Calculator
Karthikeyan Chellappa
The maturity amount is what you
will get after 15 years

Calculations Output Values

Rate 8.70% Maturity Amount ₹ 4,000,000

Year 1
Balance Interest
11,100 80
22,201 161
33,301 241
44,401 322
55,501 402
66,602 483
77,702 563
88,802 644
99,903 724
111,003 805
122,103 885
133,204 966
139,481

Year 2
Balance Interest
150,581 1,092
161,681 1,172
172,782 1,253
183,882 1,333
194,982 1,414
206,083 1,494
217,183 1,575
228,283 1,655
239,383 1,736
250,484 1,816
261,584 1,896
272,684 1,977
291,096
Year 3
Balance Interest
302,197 2,191
313,297 2,271
324,397 2,352
335,498 2,432
346,598 2,513
357,698 2,593
368,798 2,674
379,899 2,754
390,999 2,835
402,099 2,915
413,200 2,996
424,300 3,076
455,903

Year 4
Balance Interest
467,003 3,386
478,103 3,466
489,203 3,547
500,304 3,627
511,404 3,708
522,504 3,788
533,605 3,869
544,705 3,949
555,805 4,030
566,905 4,110
578,006 4,191
589,106 4,271
635,047

Year 5
Balance Interest
646,147 4,685
657,247 4,765
668,348 4,846
679,448 4,926
690,548 5,006
701,649 5,087
712,749 5,167
723,849 5,248
734,949 5,328
 746,050 5,409
757,150 5,489
768,250 5,570
829,777

Year 6
Balance Interest
840,877 6,096
851,977 6,177
863,078 6,257
874,178 6,338
885,278 6,418
896,378 6,499
907,479 6,579
918,579 6,660
929,679 6,740
940,780 6,821
951,880 6,901
962,980 6,982
1,041,448

Year 7
Balance Interest
1,052,548 7,631
1,063,649 7,711
1,074,749 7,792
1,085,849 7,872
1,096,949 7,953
1,108,050 8,033
1,119,150 8,114
1,130,250 8,194
1,141,351 8,275
1,152,451 8,355
1,163,551 8,436
1,174,652 8,516
1,271,535

Year 8
Balance Interest
1,282,635 9,299
1,293,735 9,380
1,304,836 9,460
1,315,936 9,541
 1,327,036 9,621
1,338,136 9,701
1,349,237 9,782
1,360,337 9,862
1,371,437 9,943
1,382,538 10,023
1,393,638 10,104
1,404,738 10,184
1,521,639

Year 9
Balance Interest
1,532,739 11,112
1,543,840 11,193
1,554,940 11,273
1,566,040 11,354
1,577,140 11,434
1,588,241 11,515
1,599,341 11,595
1,610,441 11,676
1,621,542 11,756
1,632,642 11,837
1,643,742 11,917
1,654,843 11,998
1,793,502

Year 10
Balance Interest
1,804,603 13,083
1,815,703 13,164
1,826,803 13,244
1,837,904 13,325
1,849,004 13,405
1,860,104 13,486
1,871,204 13,566
1,882,305 13,647
1,893,405 13,727
1,904,505 13,808
1,915,606 13,888
1,926,706 13,969
2,089,018

Year 11
 Balance Interest
2,100,118 15,226
2,111,218 15,306
2,122,319 15,387
2,133,419 15,467
2,144,519 15,548
2,155,620 15,628
2,166,720 15,709
2,177,820 15,789
2,188,920 15,870
2,200,021 15,950
2,211,121 16,031
2,222,221 16,111
2,410,243

Year 12
Balance Interest
2,421,343 17,555
2,432,444 17,635
2,443,544 17,716
2,454,644 17,796
2,465,745 17,877
2,476,845 17,957
2,487,945 18,038
2,499,045 18,118
2,510,146 18,199
2,521,246 18,279
2,532,346 18,360
2,543,447 18,440
2,759,415

Year 13
Balance Interest
2,770,515 20,086
2,781,616 20,167
2,792,716 20,247
2,803,816 20,328
2,814,917 20,408
2,826,017 20,489
2,837,117 20,569
2,848,217 20,650
2,859,318 20,730
2,870,418 20,811
 2,881,518 20,891
2,892,619 20,971
3,138,965

Year 14
Balance Interest
3,150,065 22,838
3,161,166 22,918
3,172,266 22,999
3,183,366 23,079
3,194,466 23,160
3,205,567 23,240
3,216,667 23,321
3,227,767 23,401
3,238,868 23,482
3,249,968 23,562
3,261,068 23,643
3,272,168 23,723
3,551,536

Year 15
Balance Interest
3,562,636 25,829
3,573,736 25,910
3,584,837 25,990
3,595,937 26,071
3,607,037 26,151
3,618,137 26,231
3,629,238 26,312
3,640,338 26,392
3,651,438 26,473
3,662,539 26,553
3,673,639 26,634
3,684,739 26,714
4,000,000
4000000
Goal Calculator
Determine the fixed investment need to obtain a certina maturity value

Step 1 Enter maturity value required 4,000,000 Enter current investment limit

Step 2 Go to PPF Calculator sheet. Select investment frequency and the interest rate

Step 3 Click on me!

Fixed investment amount for the selected is 11,100

150,000
 PPF Tra
Note: The tracker assumes
In F.Y.2011-12,2 interest rat
Enter data only in green cells
You will need to make suita
Send me an email if you n
Balance on March 31st of c
Set as zero for new accoun

* For existing account, "Year 1" Year

simply refers to first year of tracking Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance
Loan available for new accounts Year
Loan amount available 15706.875 Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Loan available for new accounts Year

Loan amount available 32780.2481 Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Loan available for new accounts Year

Loan amount available 51339.0047 Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
 before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Loan available for new accounts Year

Loan amount available 71512.3731 Deposited Month
before 5th Apr
before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 102678.009 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 143024.746 before 5th May
before 5th Jun
before 5th Jul
 before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 186881.649 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 234554.103 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
 Deposited Month
before 5th Apr
Withdrawal limit 286374.06 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 342702.353 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 403931.207 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
 before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 470486.972 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

Year
Deposited Month
before 5th Apr
Withdrawal limit 542833.089 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance
 PPF Tracker
Note: The tracker assumes that the same interest rate is applicable throughout the financial year
n F.Y.2011-12,2 interest rates were applicable-8% till November 2011 and 8.6% after that.
You will need to make suitable modifications in the interest column cells to reflect this
Send me an email if you need help with this
Balance on March 31st of current year
Set as zero for new accounts

Year 1*
Deposit Balance Interest PPF Interest Rate
5,000 5,000 36 8.70%
5,000 10,000 73 PPF investment limit
5,000 15,000 109 150000
5,000 20,000 145
5,000 25,000 181
5,000 30,000 218
5,000 35,000 254
5,000 40,000 290
5,000 45,000 326
5,000 50,000 363
5,000 55,000 399
5,000 60,000 435
Year End Balance 62,828

Year 2
Deposit Balance Interest PPF Interest Rate
5,000 67,828 492 8.70%
5,000 72,828 528 PPF investment limit
5,000 77,828 564 150000
5,000 82,828 600
5,000 87,828 637
5,000 92,828 673
5,000 97,828 709
5,000 102,828 745
5,000 107,828 782
5,000 112,828 818
5,000 117,828 854
5,000 122,828 890
Year End Balance 131,121
 Year 3
Deposit Balance Interest PPF Interest Rate
5,000 136,121 987 8.70%
5,000 141,121 1,023 PPF investment limit
5,000 146,121 1,059 150000
5,000 151,121 1,096
5,000 156,121 1,132
5,000 161,121 1,168
5,000 166,121 1,204
5,000 171,121 1,241
5,000 176,121 1,277
5,000 181,121 1,313
5,000 186,121 1,349
5,000 191,121 1,386
Year End Balance 205,356

Year 4
Deposit Balance Interest PPF Interest Rate
5,000 210,356 1,525 8.70%
5,000 215,356 1,561 PPF investment limit
5,000 220,356 1,598 150000
5,000 225,356 1,634
5,000 230,356 1,670
5,000 235,356 1,706
5,000 240,356 1,743
5,000 245,356 1,779
5,000 250,356 1,815
5,000 255,356 1,851
5,000 260,356 1,888
5,000 265,356 1,924
Year End Balance 286,049

Year 5
Deposit Balance Interest PPF Interest Rate
5,000 291,049 2,110 8.70%
5,000 296,049 2,146 PPF investment limit
5,000 301,049 2,183 150000
5,000 306,049 2,219
5,000 311,049 2,255
5,000 316,049 2,291
5,000 321,049 2,328
5,000 326,049 2,364
5,000 331,049 2,400
 5,000 336,049 2,436
5,000 341,049 2,473
5,000 346,049 2,509
Year End Balance 373,763

Year 6
Deposit Balance Interest PPF Interest Rate
5,000 378,763 2,746 8.70%
5,000 383,763 2,782 PPF investment limit
5,000 388,763 2,819 150000
5,000 393,763 2,855
5,000 398,763 2,891
5,000 403,763 2,927
5,000 408,763 2,964
5,000 413,763 3,000
5,000 418,763 3,036
5,000 423,763 3,072
5,000 428,763 3,109
5,000 433,763 3,145
Year End Balance 469,108

Year 7 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 474,108 3,437 8.70%
5,000 479,108 3,474 PPF investment limit
5,000 484,108 3,510 150000
5,000 489,108 3,546
5,000 494,108 3,582
5,000 499,108 3,619
5,000 504,108 3,655
5,000 509,108 3,691
5,000 514,108 3,727
5,000 519,108 3,764
5,000 524,108 3,800
5,000 529,108 3,836
Year End Balance 572,748

Year 8 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 577,748 4,189 8.70%
5,000 582,748 4,225 PPF investment limit
5,000 587,748 4,261 150000
5,000 592,748 4,297
 5,000 597,748 4,334
5,000 602,748 4,370
5,000 607,748 4,406
5,000 612,748 4,442
5,000 617,748 4,479
5,000 622,748 4,515
5,000 627,748 4,551
5,000 632,748 4,587
Year End Balance 685,405

Year 9 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 690,405 5,005 8.70%
5,000 695,405 5,042 PPF investment limit
5,000 700,405 5,078 150000
5,000 705,405 5,114
5,000 710,405 5,150
5,000 715,405 5,187
5,000 720,405 5,223
5,000 725,405 5,259
5,000 730,405 5,295
5,000 735,405 5,332
5,000 740,405 5,368
5,000 745,405 5,404
Year End Balance 807,862

Year 10 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 812,862 5,893 8.70%
5,000 817,862 5,930 PPF investment limit
5,000 822,862 5,966 150000
5,000 827,862 6,002
5,000 832,862 6,038
5,000 837,862 6,075
5,000 842,862 6,111
5,000 847,862 6,147
5,000 852,862 6,183
5,000 857,862 6,220
5,000 862,862 6,256
5,000 867,862 6,292
Year End Balance 940,974

Year 11 Withdrawal can be made only once in a year

 Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 945,974 6,858 8.70%
5,000 950,974 6,895 PPF investment limit
5,000 955,974 6,931 150000
5,000 960,974 6,967
5,000 965,974 7,003
5,000 970,974 7,040
5,000 975,974 7,076
5,000 980,974 7,112
5,000 985,974 7,148
5,000 990,974 7,185
5,000 995,974 7,221
5,000 1,000,974 7,257
Year End Balance 1,085,666

Year 12 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,090,666 7,907 8.70%
5,000 1,095,666 7,944 PPF investment limit
5,000 1,100,666 7,980 150000
5,000 1,105,666 8,016
5,000 1,110,666 8,052
5,000 1,115,666 8,089
5,000 1,120,666 8,125
5,000 1,125,666 8,161
5,000 1,130,666 8,197
5,000 1,135,666 8,234
5,000 1,140,666 8,270
5,000 1,145,666 8,306
Year End Balance 1,242,947

Year 13 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,247,947 9,048 8.70%
5,000 1,252,947 9,084 PPF investment limit
5,000 1,257,947 9,120 150000
5,000 1,262,947 9,156
5,000 1,267,947 9,193
5,000 1,272,947 9,229
5,000 1,277,947 9,265
5,000 1,282,947 9,301
5,000 1,287,947 9,338
5,000 1,292,947 9,374
 5,000 1,297,947 9,410
5,000 1,302,947 9,446
Year End Balance 1,413,910

Year 14 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,418,910 10,287 8.70%
5,000 1,423,910 10,323 PPF investment limit
5,000 1,428,910 10,360 150000
5,000 1,433,910 10,396
5,000 1,438,910 10,432
5,000 1,443,910 10,468
5,000 1,448,910 10,505
5,000 1,453,910 10,541
5,000 1,458,910 10,577
5,000 1,463,910 10,613
5,000 1,468,910 10,650
5,000 1,473,910 10,686
Year End Balance 1,599,748

Year 15 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,604,748 11,634 8.70%
5,000 1,609,748 11,671 PPF investment limit
5,000 1,614,748 11,707 150000
5,000 1,619,748 11,743
5,000 1,624,748 11,779
5,000 1,629,748 11,816
5,000 1,634,748 11,852
5,000 1,639,748 11,888
5,000 1,644,748 11,924
5,000 1,649,748 11,961
5,000 1,654,748 11,997
5,000 1,659,748 12,033
Year End Balance 1,801,754
before 5th
after 5th
 Use this sheet to track your PPF if you have e
Note: The tracker assumes
In F.Y.2011-12,2 interest rat
Enter data only in green cells
You will need to make suita
Send me an email if you n

Balance at the start of 5Y e

1st Extensio
Deposited Month
before 5th Apr
Withdrawal limit 281464.8 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

1st Extensio
Deposited Month
before 5th Apr
Withdrawal limit 281464.8 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance
 1st Extensio
Deposited Month
before 5th Apr
Withdrawal limit 281464.8 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

1st Extensio
Deposited Month
before 5th Apr
Withdrawal limit 281464.8 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

1st Extensio
Deposited Month
before 5th Apr
Withdrawal limit 281464.8 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
 before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance
2nd Extensi
Deposited Month
before 5th Apr
Withdrawal limit 651399.52 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

2nd Extensi
Deposited Month
before 5th Apr
Withdrawal limit 651399.52 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

2nd Extensi
Deposited Month
before 5th Apr
Withdrawal limit 651399.52 before 5th May
before 5th Jun
 before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

2nd Extensi
Deposited Month
before 5th Apr
Withdrawal limit 651399.52 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance

2nd Extensi
Deposited Month
before 5th Apr
Withdrawal limit 651399.52 before 5th May
before 5th Jun
before 5th Jul
before 5th Aug
before 5th Sep
before 5th Oct
before 5th Nov
before 5th Dec
before 5th Jan
before 5th Feb
before 5th Mar
Year End Balance
ur PPF if you have extended it at the end of the 15 year period
Note: The tracker assumes that the same interest rate is applicable throughout the financial year
n F.Y.2011-12,2 interest rates were applicable-8% till November 2011 and 8.6% after that.
You will need to make suitable modifications in the interest column cells to reflect this
Send me an email if you need help with this

Balance at the start of 5Y extension block

469,108

1st Extension Year 1 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 474,108 3,437 8.70%
5,000 479,108 3,474 PPF investment limit
5,000 484,108 3,510 150000
5,000 489,108 3,546
5,000 494,108 3,582
5,000 499,108 3,619
5,000 504,108 3,655
5,000 509,108 3,691
5,000 514,108 3,727
5,000 519,108 3,764
5,000 524,108 3,800
5,000 529,108 3,836
Year End Balance 572,748

1st Extension Year 2 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 577,748 4,189 8.70%
5,000 582,748 4,225 PPF investment limit
5,000 587,748 4,261 150000
5,000 592,748 4,297
5,000 597,748 4,334
5,000 602,748 4,370
5,000 607,748 4,406
5,000 612,748 4,442
5,000 617,748 4,479
5,000 622,748 4,515
5,000 627,748 4,551
5,000 632,748 4,587
Year End Balance 685,404
 1st Extension Year 3 Withdrawal can be made only once in a year
Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 690,404 5,005 8.70%
5,000 695,404 5,042 PPF investment limit
5,000 700,404 5,078 150000
5,000 705,404 5,114
5,000 710,404 5,150
5,000 715,404 5,187
5,000 720,404 5,223
5,000 725,404 5,259
5,000 730,404 5,295
5,000 735,404 5,332
5,000 740,404 5,368
5,000 745,404 5,404
Year End Balance 807,862

1st Extension Year 4 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 812,862 5,893 8.70%
5,000 817,862 5,930 PPF investment limit
5,000 822,862 5,966 150000
5,000 827,862 6,002
5,000 832,862 6,038
5,000 837,862 6,075
5,000 842,862 6,111
5,000 847,862 6,147
5,000 852,862 6,183
5,000 857,862 6,220
5,000 862,862 6,256
5,000 867,862 6,292
Year End Balance 940,974

1st Extension Year 5 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 945,974 6,858 8.70%
5,000 950,974 6,895 PPF investment limit
5,000 955,974 6,931 150000
5,000 960,974 6,967
5,000 965,974 7,003
5,000 970,974 7,040
5,000 975,974 7,076
5,000 980,974 7,112
 5,000 985,974 7,148
5,000 990,974 7,185
5,000 995,974 7,221
5,000 1,000,974 7,257
Year End Balance 1,085,666
2nd Extension Year 1 Withdrawal can be made only once in a year
Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,090,666 7,907 8.70%
5,000 1,095,666 7,944 PPF investment limit
5,000 1,100,666 7,980 150000
5,000 1,105,666 8,016
5,000 1,110,666 8,052
5,000 1,115,666 8,089
5,000 1,120,666 8,125
5,000 1,125,666 8,161
5,000 1,130,666 8,197
5,000 1,135,666 8,234
5,000 1,140,666 8,270
5,000 1,145,666 8,306
Year End Balance 1,242,946

2nd Extension Year 2 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,247,946 9,048 8.70%
5,000 1,252,946 9,084 PPF investment limit
5,000 1,257,946 9,120 150000
5,000 1,262,946 9,156
5,000 1,267,946 9,193
5,000 1,272,946 9,229
5,000 1,277,946 9,265
5,000 1,282,946 9,301
5,000 1,287,946 9,338
5,000 1,292,946 9,374
5,000 1,297,946 9,410
5,000 1,302,946 9,446
Year End Balance 1,413,910

2nd Extension Year 3 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,418,910 10,287 8.70%
5,000 1,423,910 10,323 PPF investment limit
5,000 1,428,910 10,360 150000
 5,000 1,433,910 10,396
5,000 1,438,910 10,432
5,000 1,443,910 10,468
5,000 1,448,910 10,505
5,000 1,453,910 10,541
5,000 1,458,910 10,577
5,000 1,463,910 10,613
5,000 1,468,910 10,650
5,000 1,473,910 10,686
Year End Balance 1,599,748

2nd Extension Year 4 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,604,748 11,634 8.70%
5,000 1,609,748 11,671 PPF investment limit
5,000 1,614,748 11,707 150000
5,000 1,619,748 11,743
5,000 1,624,748 11,779
5,000 1,629,748 11,816
5,000 1,634,748 11,852
5,000 1,639,748 11,888
5,000 1,644,748 11,924
5,000 1,649,748 11,961
5,000 1,654,748 11,997
5,000 1,659,748 12,033
Year End Balance 1,801,753

2nd Extension Year 5 Withdrawal can be made only once in a year

Deposit Balance Interest Withdrawal PPF Interest Rate
5,000 1,806,753 13,099 8.70%
5,000 1,811,753 13,135 PPF investment limit
5,000 1,816,753 13,171 150000
5,000 1,821,753 13,208
5,000 1,826,753 13,244
5,000 1,831,753 13,280
5,000 1,836,753 13,316
5,000 1,841,753 13,353
5,000 1,846,753 13,389
5,000 1,851,753 13,425
5,000 1,856,753 13,461
5,000 1,861,753 13,498
Year End Balance 2,021,333
before 5th
after 5th
Source:
http://finotax.com/ppf/calculator