What is the current PPF interest rate?

The current PPF interest rate is 7.1% per annum, compounded annually. This rate is reviewed every quarter by the Government of India.

Is PPF maturity amount tax-free?

Yes, PPF follows the EEE (Exempt-Exempt-Exempt) tax status. This means your contributions, interest earned, and the final maturity amount are all 100% tax-free under Section 80C.

When is the best time to deposit in PPF?

To maximize interest, you should deposit your PPF amount before the 5th of every month. Interest is calculated on the minimum balance between the 5th and the last day of the month.

Can I extend my PPF account after 15 years?

Yes, a PPF account can be extended indefinitely in blocks of 5 years. You can choose to extend it with or without fresh contributions.

PPF Calculator

India-specific Public Provident Fund planning with maturity, contribution, and long-lock-in assumptions.

Yearly Investment (Max ₹1.5L)

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Max PPF investment is ₹1,50,000/year

PPF Interest Rate (Current: 7.1%)

Tenure (min 15 years, extendable in blocks of 5)

Explore Presets

Maturity Value (Tax-Free)
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Total Invested

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Total Interest

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Section 80C Deduction

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Total tax-exempt amount over tenure

What this means for you

Actionable Suggestions

PPF is EEE (Exempt-Exempt-Exempt): investments qualify for Section 80C deduction, interest earned is tax-free, and maturity amount is tax-free. Max ₹1.5L/year. Current rate: 7.1% p.a. (reviewed quarterly by government).

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PPF Growth Year by Year

Invested

Interest

Goal Target

Current PPF interest rate and compounding

The current PPF interest rate is 7.1% per annum, compounded annually. It is reviewed by the Government of India from time to time, so this calculator works best when you match the slider to the prevailing rate for your contribution period.

PPF Tax Benefits - The EEE Advantage

PPF is prized for its Exempt-Exempt-Exempt (EEE) status. This means:

Exempt: Contributions up to ₹1.5 Lakh are deductible under Section 80C.
Exempt: All interest earned is completely tax-free.
Exempt: The final maturity amount has zero tax liability.

PPF Account Extension Rules

Your PPF account matures after 15 years, but you don't have to close it. You can extend it in blocks of 5 years as many times as you like. You can even choose to keep the account active without making any further deposits, while the existing balance continues to earn the prevailing interest rate tax-free.

PPF vs SIP - Which is Better?

While an Equity SIP offers higher potential returns (12-15%), PPF offers guaranteed returns backed by the Government. Most successful investors use a 70:30 ratio between Equity SIPs and PPF to balance risk and tax-free stability.

PPF Deposit Deadline Tip

Did you know? If you deposit your money after the 5th of a month, you lose out on that month's interest. Always ensure your PPF deposits are cleared by the 4th to ensure you earn interest for the full month.