🛡️ PPF Calculator
Plan your Public Provident Fund for tax-free wealth creation
About PPF Calculator
Free PPF calculator — calculate your PPF maturity amount, yearly interest and total returns. Plan your 15-year PPF investment with Greenylife. Use Greenylife's free ppf calculator to make smarter financial decisions. All calculations are instant and accurate.
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Frequently Asked Questions
PPF (Public Provident Fund) is a government-backed 15-year savings scheme offering tax-free returns, currently at 7.1% per annum. It falls under the EEE category — investment, interest, and maturity are all tax-free.
The current PPF interest rate is 7.1% per annum, compounded annually and credited on 31st March each year. The rate is reviewed quarterly by the government.
You can invest a minimum of ₹500 and a maximum of ₹1,50,000 per financial year in PPF. Investments above ₹1.5 lakh do not earn interest.
Partial withdrawal is allowed from the 7th year onwards (up to 50% of the balance at the end of the 4th year). Full premature closure is allowed after 5 years for specific reasons like medical emergency.
Yes, PPF is generally better for long-term investment because its returns are fully tax-free (EEE), while FD interest is taxable. On a post-tax basis, PPF at 7.1% beats most FDs for those in the 30% tax bracket.
Yes, you can take a loan against PPF between the 3rd and 6th year. The loan amount can be up to 25% of the balance at the end of the 2nd preceding year, at 1% above PPF rate.
After 15 years, you can extend PPF in blocks of 5 years with or without contribution. You can also withdraw the full amount or extend indefinitely without contributing.