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PPF Withdrawal Calculator India 2025

Calculate partial withdrawal, loan against PPF, and full withdrawal amounts with the latest 2025 rules. Check eligibility, limits, and tax implications for your Public Provident Fund account.

PPF Withdrawal Rules & Guidelines 2025

Complete guide to PPF withdrawal options with latest regulations

Partial Withdrawal

Eligibility: After 6 years from account opening
Limit: 50% of balance at end of 4th year or year before withdrawal
Frequency: Only one withdrawal per financial year
Tax: No tax implications

Loan Against PPF

Eligibility: After 1 year from account opening
Limit: 25% of balance at end of 2nd preceding year
Interest Rate: PPF rate + 1% (currently 8.1%)
Repayment: Within 36 months

Full Withdrawal

Maturity: After 15 years (no penalty)
Premature: After 5 years (with penalty)
Penalty: 1% reduction in interest rate
Tax: No tax on withdrawal amount

Key Points to Remember

Essential PPF withdrawal information

Extension Option: Account can be extended for additional 5-year blocks after maturity
With Contributions: 60% of balance can be withdrawn annually during extension
Without Contributions: Only original balance can be withdrawn during extension
Current Rate: 7.1% per annum (2024-25)
Investment Limits: ₹500 minimum, ₹1.5 lakh maximum per year
Tax Free: No tax on maturity amount including interest earned

💡 Pro Tip

Plan your withdrawals strategically. Consider extending your account for continued tax-free growth, and only withdraw when absolutely necessary to maximize your returns.

How to Withdraw from PPF Account

Step-by-step process for different types of PPF withdrawals

Documents Required

Withdrawal form (Form C for partial, Form A for closure)
Original PPF passbook
KYC documents (Aadhaar, PAN card)
Bank account details for credit
Self-declaration for partial withdrawal reason

Processing Time & Charges

Online: 7-10 working days
Offline: 15-20 working days
Processing Charges: Usually free
Loan Processing: Nominal charges may apply
TDS: No TDS on PPF withdrawals

PPF Account Extension Rules

Options available after 15-year maturity period

Extension with Contributions

Continue investing ₹500 to ₹1.5 lakh annually
Withdraw up to 60% of balance at extension time
One withdrawal per year allowed
Continue earning tax-free interest

Extension without Contributions

No new investments required
Interest continues to accrue
Withdraw only from original balance
One withdrawal per year allowed

💡 Extension Pro Tips

You can extend your PPF account multiple times in 5-year blocks. Submit Form H within one year of maturity to continue contributions. Extension is automatic if no action is taken within one year.

PPF Withdrawal FAQs

Everything you need to know about PPF withdrawal rules, eligibility, and procedures

PPF (Public Provident Fund) withdrawal refers to taking money out of your PPF account. There are three types of withdrawals allowed:

Partial Withdrawal

After completing 6 years, withdraw up to 50% of the 4th preceding year balance

Loan Against PPF

After 1 year, take loan up to 25% of the 2nd preceding year balance at 8.1% interest

Full Withdrawal

After 15 years maturity or premature after 5 years with 1% penalty on interest

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