Investments

FY 2025-26Current rate: 7.1%

PPF Calculator

Calculate your Public Provident Fund maturity at the current 7.1% rate. Tax-free, government-backed, 15-year lock-in.

₹1.50 L
₹
Max ₹1,50,000/year (qualifies for 80C deduction)
Base tenure is 15 years. Can be extended in 5-year blocks

PPF Key Facts

Interest rate7.1% per annum (Q1 FY26)
CompoundingAnnual
Tax statusEEE — fully tax-free
Lock-in15 years
Min deposit₹500/year
Max deposit₹1,50,000/year

Maturity Amount

₹40,68,209

Total Invested

₹22.50 L

Interest Earned

₹18.18 L

Wealth Gained

81%

Period

15 years

InvestedInterest (tax-free)
Invest in ELSS to save 80C tax + higher returns
Open Groww

Balance growth over 15 years

Frequently asked questions

What is the current PPF interest rate?

The PPF interest rate for Q1 FY 2025-26 (April–June 2025) is 7.1% per annum, compounded annually. The government reviews this rate every quarter. This calculator reflects the latest declared rate.

Is PPF interest taxable?

No. PPF falls under the EEE (Exempt-Exempt-Exempt) category — the contribution is deductible under 80C, the interest earned is tax-free, and the maturity amount is also tax-free. It is one of the most tax-efficient instruments available.

Can I withdraw from PPF before 15 years?

Partial withdrawals are allowed from Year 7 onwards — up to 50% of the balance at the end of Year 4 or the previous year, whichever is lower. Full premature closure is only allowed in specific circumstances (serious illness, higher education) after 5 years.

Can I extend PPF after 15 years?

Yes. After the 15-year lock-in, you can extend in 5-year blocks — either with or without fresh contributions. With contributions, you continue to earn interest and get 80C benefits.