The Public Provident Fund (PPF) is India most trusted long-term tax-saving investment. With guaranteed returns, complete tax exemption under the EEE (Exempt-Exempt-Exempt) model, and government backing, it remains the first choice for conservative investors. Our free PPF Calculator shows your exact maturity amount with a year-by-year balance breakdown in seconds.
Current PPF Interest Rate 2025-26
The PPF interest rate for Q1 FY 2025-26 (April to June 2025) is 7.1% per annum, compounded annually. The rate is reviewed quarterly by the government and has remained stable at 7.1% since April 2020.
PPF Key Rules You Must Know
- Minimum deposit: Rs 500 per year
- Maximum deposit: Rs 1,50,000 per year
- Lock-in period: 15 years (can extend in 5-year blocks)
- Tax benefit: Deposits qualify under Section 80C deduction
- Interest: Completely tax-free
- Maturity: Completely tax-free
- Partial withdrawal: Allowed from Year 7 onwards
- Loan facility: Available from Year 3 to Year 6
PPF Maturity Amount — How It Is Calculated
PPF uses annual compounding. The interest is calculated on the minimum balance between the 5th and the last day of each month, then credited to the account at the end of the financial year. This means you should deposit before the 5th of each month to earn interest for that month.
For a maximum yearly deposit of Rs 1,50,000 at 7.1% interest over 15 years, the maturity amount is approximately Rs 40.68 lakh — a gain of nearly Rs 18 lakh on an investment of Rs 22.5 lakh, completely tax-free.
PPF vs Other Investments
- PPF vs FD: PPF interest is tax-free; FD interest is taxable. For someone in the 30% bracket, PPF is far more efficient.
- PPF vs ELSS: PPF is risk-free with guaranteed returns. ELSS offers higher potential returns but carries market risk.
- PPF vs NPS: PPF has full EEE status. NPS has partial tax at maturity.
How to Use the PPF Calculator
- Enter your yearly investment amount (up to Rs 1,50,000)
- Confirm the interest rate (default 7.1%)
- Set investment period (minimum 15 years)
- View maturity amount, total interest, and year-by-year breakdown instantly
Plan your PPF investment now with our free PPF Calculator. No login, completely free, accurate to the rupee.
