PPF Calculator: Maturity Value at 7.1% (Oct–Dec 2026)
PPF is one of the few investments that is tax-free at every stage. Calculate your maturity amount at the current 7.1% rate.
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PPF at a Glance (Oct–Dec 2026)
| Feature | Detail |
|---|---|
| Interest rate | 7.1% a year, compounded yearly (reviewed every quarter) |
| Deposit | ₹500 minimum, ₹1.5 lakh maximum per financial year |
| Lock-in | 15 years, extendable in 5-year blocks |
| Tax | EEE: deposit (80C, old regime), interest and maturity all tax-free |
| Partial withdrawal | From year 7, limited to a share of the balance |
PPF Maturity Values at 7.1%
| Yearly deposit | 15 years | 20 years | 25 years |
|---|---|---|---|
| ₹50,000 | ₹13,56,070 | ₹22,19,429 | ₹34,36,005 |
| ₹1,00,000 | ₹27,12,139 | ₹44,38,859 | ₹68,72,010 |
| ₹1,50,000 | ₹40,68,209 | ₹66,58,288 | ₹1,03,08,015 |
Depositing the full ₹1.5 lakh every year for 15 years (₹22.5 lakh in total) grows to about ₹40,68,209, entirely tax-free.
Deposit Before the 5th
PPF interest is calculated on the lowest balance between the 5th and the last day of each month. Depositing before 5 April each year earns interest for the whole year; depositing on 6 April loses a month.
Frequently Asked Questions
What is the current PPF interest rate?
7.1% a year for October–December 2026. It has stayed at 7.1% since April 2020; the government reviews it every quarter.
Can I invest more than ₹1.5 lakh in PPF?
No. Deposits above ₹1.5 lakh in a financial year earn no interest and must be withdrawn.
Is PPF better than an FD?
For long-term savings, usually yes: PPF interest is tax-free, while FD interest is taxed at your slab rate. FDs are more flexible for short periods.
Can I extend PPF after 15 years?
Yes, in blocks of 5 years, with or without fresh deposits. Apply within one year of maturity to continue contributing.