PPF Calculator
Public Provident Fund – 7.1% p.a. (Q1 2026)
Yearly Investment₹50,000
₹500₹1.5L (Max)
Interest Rate7.1% p.a.
6%12%
Duration15 Years
15 Yrs (Min)50 Yrs
Maturity Amount
₹13.6L
After 15 years at 7.1% p.a.
₹7.5L
Total Invested
₹6.1L
Interest Earned
81%
Total Returns
Tax Free
Returns are EEE
⚠ Disclaimer: PPF interest rates are set by the Government of India quarterly. Current rate is 7.1% p.a. for Q1 2026. Rates may change.
What is PPF?
Public Provident Fund (PPF) is a government-backed long-term savings scheme in India with a 15-year lock-in period. It offers guaranteed returns, full tax exemption (EEE status), and sovereign guarantee.
PPF Key Features
- Current rate: 7.1% p.a. (compounded annually)
- Lock-in: 15 years (extendable in 5-year blocks)
- Max investment: ₹1.5L per year
- Tax status: EEE – Exempt at investment, interest and maturity
- Loan facility: Available from 3rd to 6th year
FAQs
Is PPF tax free?
Yes. PPF has EEE tax status – the investment is deductible under Section 80C, interest is tax-free, and the maturity amount is also tax-free.
Can I withdraw from PPF before 15 years?
Partial withdrawal is allowed from the 7th year onwards. Full premature closure is only allowed in specific circumstances like medical emergencies.