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
  • Accurate results
  • No registration required
  • Works on all devices
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.
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Requires filing Form H within 1 year of maturity to continue contributing.
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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
FieldValue
Balance at 15-year maturity4000000
Extension period5
Continue making contributions during extensiontrue
Annual contribution during extension150000
Extended maturity amount6562173.33
Additional amount contributed750000

Assumptions

  • 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.

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

PPF Contribution PlannerPPF Withdrawal Calculator

Related articles

Government Schemes1 min read

How an Extended PPF Account's Maturity Value Is Calculated

Extending a PPF account past its initial 15-year term compounds the existing balance at the current PPF rate for the extension period, and — if you continue contributing — adds a second growing stream from the new deposits on top of it.

Read guide
Government Schemes2 min read

Why a PPF Account's Withdrawal Rule Changes After the Initial 15-Year Term

During the original 15-year term, a PPF withdrawal is capped at 50% of the lower of two past balances; once an account is extended, that rule no longer applies — the cap instead becomes 60% of the balance sitting at the start of the current 5-year extension block.

Read guide

Sources

This is a projection based on the current PPF interest rate remaining constant throughout the extension period, which is unlikely — rates are revised quarterly by the Ministry of Finance. Not personalized financial advice.

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