PPF Extension Calculator

Calculate the extended maturity value of your PPF account when extended in 5-year blocks after the initial 15-year term, with or without further contributions.

Free to use
No registration required
Works on all devices

Data period: PPF rate for July–September 2026 (7.1% p.a.)
Source: National Savings Institute, Ministry of Finance (DEA), Government of India
Last updated: 24-09-2026

Enter your PPF balance at maturity and the extension period to see the projected value if you extend in 5-year blocks, with or without further contributions.

Balance at 15-year maturity *

₹

Extension period *

Continue making contributions during extension

Requires filing Form H within 1 year of maturity to continue contributing.

Annual contribution during extension

₹

Your result

₹65,62,173.33

Extended maturity amount

Additional amount contributed₹7,50,000

Additional interest earned₹18,12,173.33

AI explanation

Formula

Existing balance and any new contributions both compound at the current PPF rate for the extension period

Worked example

₹40,00,000 balance, extend 5 years with contributions

Worked example: ₹40,00,000 balance, extend 5 years with contributions
Field	Value
Balance at 15-year maturity	₹40,00,000
Extension period	5
Continue making contributions during extension	true
Annual contribution during extension	₹1,50,000
Extended maturity amount	₹65,62,173.33
Additional amount contributed	₹7,50,000

Assumptions and limitations

This calculator assumes

PPF accounts can be extended past the initial 15-year term in blocks of 5 years, either with further deposits (requires filing Form H within 1 year of maturity) or without.
Without further contributions, the existing balance still earns interest for the full extension period — it isn't required to withdraw or close the account.
Uses the current PPF interest rate of 7.1% p.a., compounded annually, for the Jul-Sep 2026 quarter.

What it does not account for

Uses the rate notified for July–September 2026. Rates are revised every quarter; whether a revision changes the return on an existing deposit depends on the scheme's rules.

Frequently asked questions

What is the deadline to opt for extension with contributions?

You must submit Form H at your PPF branch within 1 year of the account's maturity date to continue contributing during the extension. Missing this deadline still allows extension, but without further deposits.

How many times can I extend a PPF account?

There's no limit — you can extend in blocks of 5 years indefinitely, either with or without further contributions, for as long as you wish.

Can I withdraw money during an extension period?

Yes — during an extension with contributions, you can withdraw up to 60% of the balance at the start of the extension block, once per year. During an extension without contributions, one withdrawal per year is allowed with no cap.

Related calculators

Sources

Official sources

Interest Rate on National Savings Schemes (PPF: 7.1% p.a. for July–September 2026) — National Savings Institute, Ministry of Finance (DEA), Government of India. Effective 01-07-2026, checked 24-09-2026.