What is the current PPF interest rate?

The Public Provident Fund rate is 7.1% per annum for the April-June 2026 quarter. The government reviews and revises it every quarter. Interest is compounded annually.

How is PPF maturity calculated?

Each year's deposit is added to the balance and the whole balance earns interest, compounded yearly. Over the 15-year term this compounding builds a substantial tax-free corpus.

Yes. PPF has EEE status: the deposit qualifies for Section 80C deduction (up to Rs 1.5 lakh), the interest earned is tax-free, and the maturity amount is fully tax-free.

Can I extend my PPF account after 15 years?

Yes. After the initial 15-year lock-in, you can extend the account in blocks of 5 years, with or without further contributions, and it keeps earning interest.

PPF Calculator

Calculate the maturity value of your Public Provident Fund. Enter your yearly investment and see how the corpus grows over the 15-year term and beyond.

Yearly Investment

₹

₹500₹1,50,000

One Lakh Fifty Thousand Rupees

PPF allows a minimum of Rs 500 and a maximum of Rs 1,50,000 per financial year.

Interest Rate

6%9%

The current PPF interest rate is 7.1% per annum. It is revised quarterly by the government.

Time Period

yrs

15 yrs50 yrs

PPF has a 15-year lock-in. It can be extended in blocks of 5 years.

Total Invested

₹22.50 L

Total Interest

₹18.18 L

Maturity Value

₹40.68 L

Year-by-Year Breakdown

Year-by-Year Breakdown
Year	Amount Invested	Est. Returns	Total Value
Yr 1	₹1.50 L	₹10,650	₹1.61 L
Yr 2	₹3.00 L	₹32,706	₹3.33 L
Yr 3	₹4.50 L	₹66,978	₹5.17 L
Yr 4	₹6.00 L	₹1.14 L	₹7.14 L
Yr 5	₹7.50 L	₹1.76 L	₹9.26 L
Yr 6	₹9.00 L	₹2.52 L	₹11.52 L
Yr 7	₹10.50 L	₹3.45 L	₹13.95 L
Yr 8	₹12.00 L	₹4.54 L	₹16.54 L
Yr 9	₹13.50 L	₹5.82 L	₹19.32 L
Yr 10	₹15.00 L	₹7.30 L	₹22.30 L

PPF has EEE tax status: contributions qualify for Section 80C, and the interest and maturity amount are fully tax-free. Rates are revised every quarter.

PPF Calculator

Year-by-Year Breakdown

Frequently Asked Questions

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