Calculate your PPF maturity amount at current interest rate 7.1% p.a. (official rate for October-December 2026). Rates are reviewed every quarter; confirm the latest notification before relying on it. You can edit the rate below. Deposits made by the 5th of a month earn interest for that month.
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Small savings rates, including PPF at 7.1% per annum, are unchanged for 1 October to 31 December 2026 under the Ministry of Finance (DEA) Office Memorandum of 30 September 2026, continuing the FY 2025-26 rates in the official National Savings Institute rates table. Rates are reviewed every quarter, so check the latest notification before relying on this.
These are the general PPF scheme rules, so confirm details with your bank or post office. Minimum investment: ₹500/year. Maximum investment: ₹1,50,000/year (up to 12 instalments). Lock-in period: 15 financial years. Partial withdrawal allowed from year 7 (up to 50% of 4th-year balance, once per year). Loan against PPF allowed from year 3 to year 6 (up to 25% of 2nd-year balance, at PPF rate + 1%). Extension allowed after 15 years in 5-year blocks — with or without fresh contributions.
PPF deposits qualify for a deduction only if you choose the old tax regime, and the new regime does not allow that deduction. Please confirm the current rules and limits in the Income-tax Act, 2025 or with a tax professional. This calculator does not compute your tax.
Q: What is the PPF interest rate in 2026?
A: The PPF rate for October to December 2026 is 7.1% per annum, compounded annually (DEA OM, 30 September 2026). It is reviewed every quarter, so confirm it with India Post or your bank.
Q: When is PPF interest credited?
A: Interest is calculated on the minimum balance between 5th and last day of each month, and credited on 31st March every year. Always deposit before the 5th of April for maximum annual benefit.
Q: Can I withdraw PPF before 15 years?
A: Full withdrawal is only allowed at maturity (15 years). Partial withdrawal (up to 50% of 4th-year balance) is allowed from year 7 onwards, once per year. Premature closure after 5 years is allowed only for serious illness or higher education — with a 1% interest penalty.
Q: Can NRIs invest in PPF?
A: No. NRIs cannot open a new PPF account. Existing accounts opened before becoming NRI can continue until the original 15-year maturity but cannot be extended thereafter.
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