Advanced PPF Calculator
Comprehensive Public Provident Fund planning with detailed analytics
🚀 Professional PPF Calculator Features
Advanced Analytics
Detailed investment metrics and performance analysis
Multiple Scenarios
Save & compare different investment strategies
Real-time Comparison
Compare PPF with other investment options
Dynamic Updates
Live calculations with detailed breakdowns
Investment Parameters
Investment Analysis
Investment Summary
Advanced Analytics
Investment Metrics
Performance Indicators
Investment Comparison
Year-by-Year PPF Growth
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PPF Withdrawal Calculator
Calculate your eligible withdrawal amount based on PPF rules
Public Provident Fund (PPF) Scheme Details
Tax Benefits
PPF enjoys EEE (Exempt-Exempt-Exempt) status:
- Contributions deductible under Section 80C
- Interest earned is tax-free
- Maturity amount is completely tax-free
Investment Limits
- Minimum: ₹500 per financial year
- Maximum: ₹1.5 lakh per financial year
- Deposits can be made in lump sum or installments
- Maximum 12 installments per year
Loan Facility
- Available between 3rd and 6th financial year
- Maximum loan: 25% of balance at end of 2nd year
- Interest rate: 1% more than PPF rate
- Repayment period: 36 months
Withdrawal Rules
- Partial withdrawals allowed from 7th financial year
- Maximum withdrawal: 50% of balance at end of 4th year preceding withdrawal year or immediate preceding year balance, whichever is lower
- Account closure allowed after completion of 15 years
Extension Options
- Account can be extended in blocks of 5 years
- Can be extended with or without contributions
- One-time withdrawal allowed at the time of extension
Nomination Facility
- Nomination facility available at account opening
- Can be changed anytime during account tenure
- Multiple nominees with specific shares allowed
Frequently Asked Questions
The PPF interest rate is set by the Government of India and is revised quarterly. As of the latest update, the interest rate is 7.1% per annum. However, please check with your bank or the official government website for the most current rate.
Yes, you can extend your PPF account after the initial 15-year period in blocks of 5 years. You can choose to extend with or without further contributions. If you extend with contributions, the maximum investment limit of ₹1.5 lakh per year still applies.
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) tax status. This means:
- Contributions are eligible for deduction under Section 80C
- Interest earned is tax-free
- Maturity amount is completely tax-free
The minimum investment in a PPF account is ₹500 per financial year, and the maximum is ₹1.5 lakh per financial year. You can make contributions in lump sum or in installments (maximum 12 installments per year).
Yes, you can take a loan against your PPF account from the 3rd financial year up to the 6th financial year. The maximum loan amount is 25% of the balance at the end of the second year immediately preceding the year in which the loan is applied for.
Partial withdrawals are allowed from the 7th financial year. The maximum amount you can withdraw is 50% of the balance at the end of the 4th year preceding the year of withdrawal or the balance at the end of the immediate preceding year, whichever is lower.
No, an individual can have only one PPF account in their name. The only exception is that a person can open an account on behalf of a minor.
If you don't make any deposit in a financial year, your account will become inactive. To reactivate it, you need to pay a penalty of ₹50 for each year of default along with a minimum deposit of ₹500 for each defaulted year.
Saved Investment Scenarios
Compare different PPF investment strategies
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