PPF Deposit-Deadline Calculator

Find the two PPF dates that matter — the 5th-of-month interest cutoff and the 31 March financial-year deadline — and set a reminder so you never lose a year's interest.

The 5th-of-the-month rule

PPF interest is calculated on the lowest balance between the 5th and the last day of each month. So a deposit made on or before the 5th earns interest for that whole month; a deposit on the 6th or later earns interest only from the next month. Over a year, repeatedly depositing late quietly costs you interest — which is why the calculator shows whether your planned date makes the cutoff.

The 31 March financial-year deadline

You must deposit at least ₹500 in each financial year (1 April–31 March) to keep the account active. Miss it and the account becomes irregular — reactivating it needs a penalty plus the minimum for each missed year. To claim the Section 80C deduction for the year, the deposit (up to ₹1.5 lakh) must also land before 31 March.

Why set a reminder

Both deadlines are easy to forget — the 5th every month, and once a year before 31 March. Savings Reminder emails you in good time so you keep the account regular and never lose interest. No bank login, no OTP — you enter the dates yourself.

PPF rules from the National Savings Institute / India Post. Reminder tool, not financial advice — confirm details with your bank or post office.

Frequently asked questions