PPF Extension Calculator (After 15 Years)
What extending PPF in 5-year blocks does to a mature corpus — with/without contributions, withdrawal rules.
Formula
Disclaimer: Interest rates shown are recent indicative values — banks revise FD cards and the government notifies small-savings rates quarterly. Verify the current rate before investing. Not financial advice.
Disclaimer: This tool is for general informational and estimation purposes only and is not professional financial, tax, accounting or legal advice. All figures are estimates — verify with a qualified professional before making decisions. Read the full disclaimer.
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About PPF Extension Calculator (After 15 Years)
The 15-year PPF maturity is where the scheme's real wealth begins, not ends: a ₹40 lakh mature corpus extended 10 years WITH contributions becomes roughly ₹1.0 crore — all of it tax-free, all of it sovereign-backed. Extensions come in 5-year blocks, unlimited times, and this calculator prices every combination of mode and duration. The two modes serve different lives: WITH-contributions (Form H within 1 year of maturity — miss it and fresh deposits stop being eligible) suits accumulators still earning, keeping the 80C deduction alive and the ₹1.5 lakh/year flowing into the tax-free compounder. WITHOUT-contributions mode is automatic (no form) and converts the account into a retiree's dream: the corpus compounds at 7.1% tax-free, and ONE withdrawal of ANY amount is allowed each financial year — functionally a government-guaranteed, zero-tax liquid fund. Strategic patterns: retirees increasingly treat extended PPF as the safest layer of their income stack — withdraw a year's expenses each April while the rest compounds untaxed (compare: every FD interest rupee is taxed at slab); estate-wise, PPF passes to nominees outside probate. The one discipline: in with-contributions mode, withdrawals are capped (60% of the corpus at the start of the block, across the block) — so choose the mode by whether you need INCOME (without) or are still building (with).
How to use PPF Extension Calculator (After 15 Years)
- 1Enter Corpus at year 15, Extension mode, Extension blocks, PPF rate (%) into the PPF Extension Calculator.
- 2The result is computed automatically using Extended corpus compounds tax-free at the notified rate; optional ₹1.5L/yr contributions keep adding 80C-eligible principal — there is no button to press; it updates live as you type.
- 3Change any input to model a different scenario, then use “Copy result link” to share the exact numbers.
Why use PPF Extension Calculator (After 15 Years)?
- ✓Computes ppf extension calculator instantly with the correct formula — no spreadsheet needed
- ✓100% free and unlimited, with no sign-up, login or paywall
- ✓Runs entirely in your browser, so the figures you enter are never uploaded or stored
- ✓Shows the formula, a live worked example and references so you can defend the number
Frequently asked questions
15 saal baad PPF extend karna chahiye ya nikaal lena?+
Paise ki turant zaroorat nahi to extension lagbhag hamesha jeet'ta hai: 7.1% TAX-FREE kahin aur risk-free nahi milta (FD ka 7.1% slab ke baad ~5% hai). Without-contribution mode me saal me ek withdrawal bhi free hai — liquidity + growth + zero tax teeno saath. Nikaalne ka case sirf bade planned kharch (ghar, shaadi) ya behtar-yield risk lene ki soch par banta hai.
Form H kya hai aur kab dena hota hai?+
With-contributions extension ka election form — maturity ke 1 SAAL ke andar dena zaroori hai. Nahi diya to account by default without-contribution extension me chala jata hai: corpus compound karega, par naye deposits 80C/interest ke liye eligible nahi rahenge (irregular ho jaate hain). Yeh chhoti paperwork bhool mehngi padti hai — maturity ke mahine me hi nipta dein.
Extension me withdrawal ke kya rules hain?+
Without-contribution: har financial year me EK withdrawal, kitna bhi amount — corpus khatam hone tak. With-contribution: block ke shuru ke balance ka 60% tak, poore 5-saal block me milakar. Isliye income chahiye to without-mode hi chunein; with-mode accumulators ke liye hai jinhe nikaalna nahi hai.
Kya extension me bhi rate floating rehta hai?+
Haan — quarterly notified rate poore corpus par lagta rehta hai, extension me bhi. Rate gir sakta hai (aur badh bhi) — lock nahi hota. Phir bhi sovereign + tax-free + liquid (saal me ek baar) combination ka koi private competitor nahi hai; rate 0.5% gire to bhi post-tax basis par FD se aage hi rehta hai upper slabs ke liye.
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