What is the current PPF interest rate in India 2026?

The PPF interest rate for Q1 FY 2026-27 (April–June 2026) is 7.1% per annum. The rate is reviewed quarterly by the Ministry of Finance. PPF has maintained 7.1% since April 2020, making it one of the most stable government-backed savings instruments. The interest is compounded annually and credited on 31 March each year.

What is the PPF investment limit in India?

The minimum annual PPF investment is ₹500 and the maximum is ₹1,50,000 per financial year. This limit applies per PAN — investing above ₹1.5L won't earn interest on the excess and won't qualify for 80C deduction. You can invest in lump sum or up to 12 installments per year.

What is the EEE status of PPF?

PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: (1) Investment up to ₹1.5L is exempt under Section 80C; (2) Annual interest earned is fully exempt from income tax; (3) Maturity amount is completely tax-free. This makes PPF one of the most tax-efficient investment instruments in India.

When can I withdraw from PPF?

PPF has a 15-year lock-in. Partial withdrawals are allowed from the end of the 7th year — maximum 50% of balance at end of 4th preceding year or 50% of balance at end of immediately preceding year, whichever is lower. Full withdrawal after 15 years. Premature closure allowed after 5 years in specific cases (education, medical).

PPF Calculator India 2026 — Public Provident Fund Free

Q: Can PPF be extended beyond 15 years?

Yes. PPF can be extended in 5-year blocks indefinitely after the initial 15-year maturity. You can extend with contributions (continue investing) or without contributions (existing balance earns interest). Extension must be requested within 1 year of maturity date.

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PPF Calculator — Public Provident Fund 2026

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Annual Investment (₹) ₹500 – ₹1,50,000

PPF Interest Rate (% p.a.) current: 7.1%

Investment Tenure

✅ EEE Status: Investment, Interest & Maturity all Fully Tax-Free

Maturity Value

₹0

Total Interest

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Tax Saved (30% slab)

₹0

Total Amount Invested—

Total Interest Earned—

Annual Tax Saved (80C)—

Total Maturity Value (Tax-Free)—

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📅 Year-wise PPF Growth

Year	Opening Balance	Contribution	Interest Earned	Closing Balance

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✅ EEE Tax Status

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PPF vs Other Savings Instruments

Feature	PPF	Bank FD	NPS	ELSS
Interest / Return	7.1%	6.5–7.5%	10–12%*	12–15%*
Tax on Investment	80C exempt	80C exempt	80C + 80CCD	80C exempt
Tax on Interest	Fully exempt	Taxable (slab)	Partially	12.5% LTCG
Tax on Maturity	Fully exempt	Taxable (TDS)	60% exempt	12.5% LTCG
Lock-in	15 years	5 years	60 years	3 years
Risk	Zero (Govt.)	Zero (insured)	Market risk	Market risk

* Market-linked returns — not guaranteed. PPF returns are fixed by government.

★★★★★

"Opened a PPF for my daughter and this calculator showed her ₹50,000/year will grow to ₹13.5L by maturity. The year-wise table is excellent for planning."

Geetha Nair — Teacher, Trivandrum

★★★★★

"The tax savings section is the best part. Showed exactly how ₹1.5L in PPF saves ₹46,800 tax per year at 30% slab — that's the real return calculation."

Prakash Mehta — CA, Ahmedabad

★★★★☆

"Extension mode (20/25 years) makes a massive difference — ₹50K/year for 25 years at 7.1% = ₹35L vs ₹13.5L at 15 years. Eye-opening compounding effect."

Ananya Singh — Engineer, Chandigarh

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Frequently Asked Questions

What is the current PPF interest rate in India?+

The PPF interest rate for 2026 is 7.1% per annum, reviewed quarterly. It has been stable at 7.1% since April 2020. PPF interest is compounded annually and credited to your account on 31 March. The rate is set by the Ministry of Finance based on G-sec yields.

What is the PPF investment limit?+

Minimum: ₹500/year. Maximum: ₹1,50,000/year per PAN. Investing above ₹1.5L: no interest on excess, no 80C deduction. You can invest in up to 12 installments. Invest before 5th of each month for that month's interest calculation.

What is EEE tax status in PPF?+

PPF has EEE (Exempt-Exempt-Exempt) status: (1) Investment up to ₹1.5L is deductible under Section 80C; (2) Interest earned annually is fully exempt from income tax; (3) Maturity amount is completely tax-free. This makes PPF one of the best risk-free investments in India.

When can I withdraw PPF money?+

Partial withdrawal: from end of 7th year — up to 50% of balance at end of 4th preceding year. Full withdrawal: after 15 years maturity. Premature closure: after 5 years for specific reasons (education, medical emergencies) — subject to 1% interest deduction.

Can PPF be extended beyond 15 years?+

Yes, in 5-year blocks indefinitely. Two options: (1) With contributions — continue investing and earning interest (most beneficial); (2) Without contributions — existing balance earns interest, no new deposits. Apply for extension within 1 year of maturity. Many investors extend to 20–25 years for maximum compounding.

PPF Calculator India 2026

PPF Calculator — Public Provident Fund 2026

PPF vs Other Savings Instruments

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