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Calculate your Public Provident Fund maturity value and tax savings. Government-backed EEE status investment. Current PPF rate: 7.1% p.a. (reviewed quarterly by Government of India).
* PPF interest rate of 7.1% p.a. is current as of Q1 FY 2025-26 and is reviewed quarterly by the Government of India. Subject to revision. Results are for estimation only.
The PPF interest rate is set by the Government of India and reviewed quarterly. As of the current quarter, it stands at 7.1% per annum, compounded annually. Always check the latest rate on the official India Post or bank website before investing, as it is subject to change.
You can invest a minimum of ₹500 and a maximum of ₹1.5 lakh per financial year in a PPF account. The lock-in period is 15 years, after which the account can be extended in blocks of 5 years.
Yes, PPF has EEE (Exempt-Exempt-Exempt) tax status — your contribution is deductible under Section 80C (up to ₹1.5 lakh/year), the interest earned is tax-free, and the maturity amount is also tax-free.
Partial withdrawal is allowed from the 7th financial year onwards, subject to conditions. Premature closure is allowed only in specific cases like medical emergencies or higher education, with a 1% interest rate reduction penalty.
No, an individual can hold only one PPF account, except a guardian may open one additional account on behalf of a minor child. Combined contributions across both accounts cannot exceed ₹1.5 lakh per year.
