PPF is one of India’s safest tax-free investments. Calculate your maturity amount and see year-by-year growth at the current 7.1% rate.
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PPF Calculator
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Tenure
Maturity value · tax-free
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- Total invested ₹0
- Total interest ₹0
Year-wise PPF growth
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Current PPF rate: 7.1% p.a. (Oct–Dec 2026). Assumes deposit before 5th April each year. 15-year lock-in, extendable in 5-year blocks.
PPF at a glance
- Interest rate: 7.1% p.a. (Oct–Dec 2026), compounded yearly
- Investment: ₹500 to ₹1.5 lakh per financial year
- Lock-in: 15 years, extendable in blocks of 5 years
- Tax status: EEE — deposits (80C, old regime), interest and maturity are all tax-free
Frequently asked questions
When should I deposit to earn maximum interest?
Interest is calculated on the lowest balance between the 5th and the last day of each month. Depositing before 5th April gives you interest for the full year.
Can I extend my PPF after 15 years?
Yes, you can extend in blocks of 5 years, with or without fresh contributions.
Can I withdraw early?
Partial withdrawals are allowed from the 7th financial year, and loans are available from the 3rd to 6th year.
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