ⓘ Current rate: 7.1% p.a. (Q1 FY2026-27) — compounded annually
Investment Period
🔒 Lock-in: 15 years (mandatory). Partial withdrawal from Year 7.
Extension Options
Extend PPF by 5 years
After mandatory 15-year lock-in
Extension Type:
Maturity Amount (15 Years)
₹0
at 7.1% p.a. — fully tax-free
Total Invested
₹0
Interest Earned
₹0
CAGR
0%
After 5-Year Extension (Total 20 Years)
₹0
Extended corpus
Corpus Growth Year by Year
Year-by-Year Breakdown
Yr
Opening Balance
Deposit
Interest
Closing Balance
⚠️ PPF interest rate is subject to revision by the Government of India. The rate shown (7.1%) is for Q1 FY2026-27. Actual returns may vary based on future rate revisions. This calculator uses a constant rate for projection.
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About This PPF Calculator
Public Provident Fund (PPF) is a government-backed, long-term savings scheme offering guaranteed returns with triple tax exemption (EEE). This calculator computes your 15-year maturity amount using annual compounding at the current rate of 7.1% p.a. Interest is calculated on the minimum balance between 5th and end of each month — for simplicity, this tool uses annual compounding on the opening balance plus deposit. The CAGR shown reflects effective annualized return. PPF allows partial withdrawals from Year 7 and can be extended in 5-year blocks after maturity. Maximum annual deposit is ₹1,50,000 eligible under Sec 80C.
Frequently Asked Questions
What is the current PPF interest rate? +
The current PPF interest rate is 7.1% per annum for Q1 FY2026-27. The Government reviews this rate quarterly. PPF interest is compounded annually and credited on 31st March. The rate has remained stable at 7.1% since April 2020.
What is EEE status in PPF? +
EEE = Exempt-Exempt-Exempt. (1) Contributions up to ₹1.5L per year are deductible under Sec 80C. (2) Interest earned is fully tax-free. (3) Maturity amount is completely tax-free. This triple exemption makes PPF one of the most tax-efficient savings instruments in India.
Can I extend PPF beyond 15 years? +
Yes. After the 15-year lock-in, you can extend your PPF in 5-year blocks. You can extend with contributions (continue investing) or without contributions (let existing corpus earn interest only). Submit Form H within 1 year of maturity to extend with contributions. Multiple extensions are allowed.
What is the maximum PPF deposit per year? +
Maximum is ₹1,50,000 per financial year. Minimum is ₹500/year to keep the account active. Deposits above ₹1.5L in a year earn no interest and are returned. You can deposit in lump sum or up to 12 instalments per year. For maximum interest, deposit before 5th April each year.