Free calculator
PPF calculator
See what your Public Provident Fund account could be worth at maturity. Current rate: 7.1% a year (October to December 2026).
verifiedRates as of 11 November 2026
Maturity amount
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- Total deposits-
- Interest earned-
- Maturity amount-
Growth over time
Year by year
Estimate only. Results are for planning and learning. They are not tax, legal or financial advice. Rules have conditions this page can not check. Please confirm with a chartered accountant, your bank or the official website before you decide. Rates as of 11 November 2026.
How PPF works
The Public Provident Fund is a government savings scheme. You can deposit ₹500 to ₹1,50,000 each financial year. The account matures after 15 full financial years, and you can extend it in blocks of 5 years.
Interest is worked out every month on the lowest balance between the 5th and the end of the month, and added once a year on 31 March. So deposit before 5 April to earn interest for the whole year. This calculator assumes you do.
Balance at year end = (last balance + deposit) × (1 + r ÷ 100)
Tax
PPF interest and the maturity amount are tax-free. The deposit counts for the section 80C deduction (up to ₹1,50,000) only in the old regime.
The government sets the rate every quarter. 7.1% applies for October to December 2026 (Ministry of Finance, 30 September 2026). Future rates may differ. Rates as of 11 November 2026.
Questions
What is the PPF interest rate now?expand_more
7.1% a year for October to December 2026. It has stayed the same for several quarters, but it can change at any quarter.
Can I take money out early?expand_more
Partial withdrawals are allowed from the 7th financial year, within limits. Loans against the balance are allowed in years 3 to 6.