PPF Extension Calculator

Calculating your PPF extension returns takes less than a minute:

1. Enter your PPF maturity amount at the end of 15 years.
2. Select the extension type — with further contributions or without contributions.
3. If extending with contributions, enter your planned annual contribution for the extension period.
4. Select the extension period in 5-year blocks (5, 10, or 15 additional years).
5. Click Calculate to instantly see your projected corpus at the end of the extension period.

The calculator shows a year-by-year breakdown of how your PPF corpus continues to grow during the extension period.

When your PPF account completes the mandatory 15-year lock-in period, you have the option to extend the account rather than withdrawing the maturity amount. Extension is done in blocks of 5 years, and you can extend multiple times — effectively keeping your PPF account active and earning tax-free returns indefinitely.

PPF extension is particularly beneficial for investors who do not immediately need the maturity funds, since the balance continues to earn tax-free compound interest during the extension period.

At maturity, you can choose between two extension options:

• Extension with Contributions — You continue making annual contributions to your PPF account during the extension period, maintaining all PPF benefits including Section 80C deduction on new contributions and tax-free interest on the entire balance.
• Extension without Contributions — You stop making new contributions but leave the existing maturity balance in the account. The balance continues to earn tax-free interest, and you can make one partial withdrawal per year without any restriction on amount during this period.

Both options keep the entire balance and returns tax-free, making either choice significantly more beneficial than withdrawing and reinvesting in a taxable instrument.

Key rules governing PPF account extension:

1. Application deadline — If you wish to extend with contributions, you must submit the extension application to your bank or post office within one year of the account's maturity date. Missing this deadline means the account automatically continues without contributions.
2. Extension block — Extensions are only available in 5-year blocks. You cannot extend for 3 or 7 years — it must be exactly 5 years at a time.
3. Withdrawals during extension with contributions — You can make one partial withdrawal per year, up to 60% of the balance at the start of each 5-year extension block.
4. Withdrawals during extension without contributions — You can withdraw any amount once per year, with no percentage restriction, providing greater flexibility.

The decision depends on your financial goals and tax situation:

• Extend if — You are in a higher tax bracket and don't need the funds immediately. The tax-free compounding during extension is hard to match with any alternative investment after accounting for tax.
• Withdraw if — You have a specific financial goal requiring the funds, or you have identified a better investment opportunity that delivers higher post-tax returns than the current PPF rate.
• Partial strategy — Withdraw a portion of the maturity amount for immediate needs and extend the remainder to continue earning tax-free returns on the balance.

Our calculator helps you make the right decision at PPF maturity by allowing you to:

• Get instant projections of your PPF corpus after extension
• Compare returns from extension with and without contributions
• Understand the long-term benefit of keeping your PPF active versus withdrawing
• Plan the optimal withdrawal and extension strategy based on your financial goals