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PPF Calculator India 2026

Calculate Public Provident Fund maturity at 7.1% — completely tax-free returns under EEE status

🏛️ Govt Backed 🔒 Tax-Free (EEE) 📅 7.1% Interest Rate ⏱️ 15 Year Lock-in

💰 PPF Details

Yearly Deposit

₹

Tenure (Years)

Minimum 15 years. Extendable in 5-year blocks.

Current PPF Rate 7.1% p.a.

Set by Government of India. Updated quarterly.

🛡️ EEE Tax Status

Deposit is exempt under 80C · Interest is tax-free · Maturity is tax-free

PPF Maturity Amount

^₹0

Invested Amount ₹0

Interest Earned ₹0

Total Maturity ₹0

💡 Smart Insights

📊 Year-by-Year PPF Growth

Year	Deposit	Interest	Balance

PPF Calculator — Public Provident Fund India 2026

The Public Provident Fund (PPF) is one of India's most trusted long-term savings schemes, backed by the Government of India. It offers a risk-free return of 7.1% per annum (as of Q1 FY 2025-26), compounded annually.

Key PPF Rules in India

Minimum deposit: ₹500 per year. Maximum: ₹1,50,000 per year.
Lock-in period: 15 years. Can be extended in 5-year blocks.
Interest is compounded annually and credited on March 31 each year.
Deposits qualify for Section 80C deduction (up to ₹1.5 lakh).
Interest earned and maturity amount are completely tax-free (EEE status).
Partial withdrawal allowed from Year 7. Loan facility from Year 3-6.

PPF vs FD vs SIP — Which is Better?

PPF gives guaranteed, tax-free returns at 7.1%. FD returns are taxable. SIP (mutual funds) can give higher returns (10-12%) but with market risk. For risk-free, tax-free savings with 80C benefit — PPF is unbeatable for conservative investors.