PPF Withdrawal Calculator

Calculate the maximum partial withdrawal allowed from your PPF account, based on your account balance in the relevant preceding years.

  • Free to use
  • Accurate results
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  • Works on all devices
Your maximum PPF partial withdrawal is 50% of the lower of your balance at the end of the immediately preceding year or the 4th preceding year.
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Your result

₹2,50,000

Maximum withdrawal allowed

AI explanation

Formula

Max withdrawal = 50% of the lower of (balance at end of the 4th preceding year) or (balance at end of the immediately preceding year)

Worked example

₹8,00,000 (preceding year), ₹5,00,000 (4th preceding year)

Worked example: ₹8,00,000 (preceding year), ₹5,00,000 (4th preceding year)
FieldValue
Balance at end of the immediately preceding financial year800000
Balance at end of the 4th preceding financial year500000
Maximum withdrawal allowed250000

Assumptions

  • Partial withdrawal is permitted only from the 7th financial year onward from account opening — this calculator computes the withdrawal cap only, and does not check year eligibility.
  • Only one withdrawal is permitted per financial year.
  • Preceding year means the financial year immediately before the year you're withdrawing in, not the current year.

Frequently asked questions

When can I start making partial withdrawals from PPF?

From the 7th financial year onward, counting from the year the account was opened (i.e. after completing 6 full financial years).

How many times can I withdraw in a year?

Only once per financial year — you can't split your withdrawal cap across multiple transactions in the same year.

Is the withdrawn amount taxable?

No — PPF withdrawals, whether partial or at maturity, are completely tax-free under the scheme's EEE (Exempt-Exempt-Exempt) status.

Related calculators

PPF Contribution PlannerPPF Extension Calculator

Related articles

Government Schemes1 min read

How the Maximum PPF Partial Withdrawal Is Calculated

A PPF account's partial withdrawal limit is 50% of whichever is lower — the balance at the end of the immediately preceding financial year, or the balance at the end of the 4th preceding year — a rule that specifically protects against withdrawing against a recent lump-sum deposit.

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 calculator computes the withdrawal cap only, based on the balances you enter — it does not verify your account's year-of-opening eligibility or your remaining withdrawal quota for the year. Not personalized financial advice.

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