📥 Your PPF Details
Deposit Mode
Lump sum before 5th April earns interest for the full year.
Min ₹500 · Max ₹1,50,000 per year
Leave 0 if opening a fresh account
Years Already Completed
Extend Beyond 15 Years?
Your Tax Slab (for 80C benefit estimate)
📊 Current PPF Rate
7.1% p.a.
Q1 FY 2026-27 · Govt of India · Unchanged since Apr 2020
Maturity Value
₹40.68 L
After 15 years
Total Interest
₹18.18 L
100% tax-free
Total Deposited
₹22.50 L
₹1,50,000/yr
80C Tax Saved
₹6.75 L
At 30% slab
Corpus Breakdown
Interest-to-principal ratio: 80.8%
🏆 PPF Tax Advantage (EEE)
Deposit
Exempt
80C deduction ₹1.5L/yr
Interest
Exempt
7.1% fully tax-free
Maturity
Exempt
No tax on withdrawal
📉 PPF Rate History
📋 PPF Key Rules at a Glance
Lock-in
15 years
Extendable in 5yr blocks
Annual Limit
₹1.5 Lakh
Min ₹500 · Max ₹1,50,000
Current Rate
7.1% p.a.
Reviewed quarterly by Govt
Tax Benefit
EEE Status
80C + interest + maturity
📊 Download Your PPF Report — Free Excel (4 Sheets)
Summary · Year-by-Year · Withdrawal & Loan · PPF vs FD vs ELSS vs NPS · No sign-up required
📖 PPF Interest Rate 2026: Everything You Need to Know
The PPF interest rate for FY 2026-27 is 7.1% per annum, unchanged since April 2020. The rate is declared by the Ministry of Finance every quarter and is linked to government securities yields. Despite multiple revisions in other small savings rates, PPF has stayed at 7.1%.
How interest is calculated: PPF interest is computed on the minimum balance between the 5th and last day of each month. This has a critical implication — deposit before the 5th of every month (or before April 5th for lump sum) to maximise interest earned. A deposit on April 6th instead of April 4th loses one full month of interest on ₹1.5L, costing approximately ₹888 in year one alone.
Compounding power: At 7.1% compounded annually, ₹1.5 lakh per year for 15 years grows to approximately ₹40.7 lakh — a 1.8× multiplier on principal. Extend to 25 years and the corpus exceeds ₹1.03 crore — a 4.6× multiplier — demonstrating how compounding accelerates dramatically in later years.
EEE status explained: PPF is one of only three investment instruments with complete EEE (Exempt-Exempt-Exempt) status: (1) Deposits qualify for 80C deduction up to ₹1.5L, (2) Annual interest is completely exempt from income tax, (3) Maturity proceeds including entire interest are tax-free. At the 30% slab, this means the effective pre-tax yield of PPF is significantly higher than the nominal 7.1%.
📖 PPF vs ELSS vs NPS: Which Tax-Saving Option is Best for You?
All three qualify for 80C (up to ₹1.5 lakh deduction), but differ significantly in risk, return, liquidity and tax treatment at maturity.
Choose PPF if: You are a conservative investor who prioritises capital safety and guaranteed returns. Government backing makes PPF the safest 80C option. Best for risk-averse professionals, retirees, or those within 5 years of a financial goal. The 15-year lock-in (with partial withdrawal from Year 7) suits long-term goals.
Choose ELSS if: You have a 7+ year horizon, can tolerate equity market volatility, and want higher potential returns. ELSS has historically delivered 11–14% CAGR over 10+ year periods — significantly above PPF's 7.1%. The 3-year lock-in is the shortest among 80C options. LTCG of 12.5% above ₹1.25L annual exemption applies, but overall post-tax returns still typically exceed PPF over long horizons.
Choose NPS if: You want an additional ₹50,000 deduction under 80CCD(1B) beyond the ₹1.5L 80C limit, giving total deductions of up to ₹2 lakh. NPS is best for retirement-focused saving — 60% of corpus is tax-free at age 60; 40% must be used for annuity (taxed at slab). NPS is not ideal for goals before retirement.
The smart mix: Most financial planners recommend a combination — PPF for guaranteed debt allocation + ELSS for equity exposure + NPS for extra deduction if in 30% slab. This covers all bases: safety, growth and tax efficiency.
Frequently Asked Questions — PPF Calculator
PPF interest rate, maturity, withdrawal, loan and tax rules for FY 2026-27
What is the PPF interest rate in 2026?▾
The PPF interest rate for Q1 FY 2026-27 (April–June 2026) is 7.1% per annum, compounded annually. This rate has remained unchanged since April 2020. The Ministry of Finance reviews and notifies the rate quarterly.
How much PPF maturity will I get if I invest ₹1.5 lakh per year for 15 years?▾
At 7.1% p.a., depositing ₹1,50,000 every year for 15 years gives a maturity of approximately ₹40.7 lakh. Total deposited: ₹22.5 lakh. Tax-free interest: ₹18.2 lakh. The entire maturity is tax-free under EEE status.
When can I withdraw money from PPF?▾
Partial withdrawal is allowed from the 7th financial year. Maximum withdrawal: 50% of the balance at the end of 4 years preceding the year of withdrawal. Only one withdrawal per financial year is permitted. The full account can be closed only at maturity (15 years) except in specific cases like medical treatment or higher education.
Can I take a loan against my PPF account?▾
Yes. Loan against PPF is available from Year 3 to Year 6. Maximum loan: 25% of the balance 2 years prior. Interest: PPF rate + 1% = 8.1% p.a. currently. Must be repaid within 36 months. Only one loan at a time.
Is PPF better than FD for tax saving?▾
For most investors in the 30% tax slab, PPF is significantly better than FD. PPF gives 7.1% tax-free (EEE). A 7.1% FD at 30% slab gives only 4.97% post-tax return. Additionally, PPF deposits qualify for 80C deduction. FDs only qualify for tax-saving 5-year FDs under 80C.
Can I extend PPF beyond 15 years?▾
Yes. PPF can be extended in blocks of 5 years any number of times after the initial 15-year maturity. You can extend with or without contributions. If extended with contributions, new deposits continue to earn 7.1% and qualify for 80C. If extended without contributions, the existing balance continues to earn interest until withdrawn.
What is the maximum amount I can invest in PPF per year?▾
Maximum: ₹1,50,000 per financial year. Minimum: ₹500. You must make at least one deposit per year to keep the account active. Deposits exceeding ₹1.5 lakh are returned without interest. Both deposits and interest only qualify for tax benefits up to the ₹1.5 lakh limit per year.
Is PPF interest taxable?▾
No. PPF interest is completely tax-free. PPF has EEE (Exempt-Exempt-Exempt) status: deposits qualify for 80C deduction, interest is exempt under Section 10(11), and maturity proceeds are fully tax-free. This makes PPF one of the most tax-efficient instruments in India.
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⚠️ Disclaimer: This PPF calculator is for educational and illustrative purposes only. PPF interest rates are set by the Government of India and may change quarterly. Calculations assume the declared rate remains constant throughout the tenure. Actual maturity values will vary based on rate revisions, deposit timing and compounding. ProfitNifty is not a SEBI-registered investment advisor. Consult a SEBI-registered financial planner before making investment decisions. | profitnifty.in · Smart Money for Every Indian Salary.