What is the current PPF interest rate and minimum investment limit?

The current statutory PPF interest rate is 7.1% compounded annually. The minimum deposit required is ₹500 per financial year, while the maximum allowable limit is ₹1,50,000 per financial year.

What is the tax status of PPF returns in India?

PPF enjoys the sovereign EEE (Exempt-Exempt-Exempt) tax status. Deposits qualify for Section 80C deduction, interest earned is 100% tax-free, and the entire maturity corpus is exempt from income tax.

Can a PPF account be extended beyond 15 years?

Yes. Upon completing the initial 15-year term, a PPF account can be extended indefinitely in continuous blocks of 5 years each, with or without making additional contributions.

Government Backed Savings Engine

Public Provident Fund (PPF) Calculator

Simulate sovereign, 100% tax-free compound growth on your PPF deposits with annual 7.1% compounding and optional 5-year extension blocks.

Calculating your PPF maturity…

Investment Parameters

Yearly Deposit (₹)

Min ₹500, Max ₹1,50,000 per financial year.

Interest Rate (% p.a.)

Current statutory rate compounded annually.

Investment Tenure

Can be extended in blocks of 5 years indefinitely.

Deposit Timing

Depositing before the 5th earns interest for the whole month.

Year	Opening Balance	Deposited	Interest Earned	Closing Balance

Principal Invested vs Tax-Free Interest

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Why PPF Remains India's Favorite Safe-Haven Investment

Public Provident Fund (PPF) is an exempt-exempt-exempt (EEE) vehicle. This means deposits qualify for deduction under Section 80C (up to ₹1.5 Lakh/year), annual interest is 100% tax-free, and the entire proceeds upon maturity are completely exempt from wealth and income taxes.

The 5th of the Month Golden Rule

Interest in a PPF account is calculated on the minimum balance maintained between the close of the 5th day and the end of the month. To optimize interest, deposit your contribution on or before the 5th of April each financial year.

Frequently Asked Questions

Can I withdraw money from PPF before 15 years?

Partial withdrawals are permitted starting from the 7th financial year onward, capped at 50% of the account balance at the end of the 4th preceding year or immediate preceding year, whichever is lower.

Can I open multiple PPF accounts?

No. An individual can hold only one PPF account in their name across all banks and post offices. Accounts opened on behalf of a minor are also subject to the joint ₹1.5 Lakh annual cap.