CalVerse.co — PPF Calculator India 2026
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India · EEE Tax Benefit · 7.1% PA

PPF Calculator India 2026

Calculate Public Provident Fund maturity, interest earned year by year, loan eligibility and partial withdrawal. Government-backed, EEE tax status — the safest long-term investment.

Rate: 7.1% PA 15-Year Lock-in EEE Tax Free 80C Deduction Govt Guaranteed
📗 PPF Calculator — Public Provident Fund
Investment Details
₹
Deposit Frequency
%
yrs
₹
PPF Maturity Amount
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After 15 years at 7.1% PA
Total Invested
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Interest Earned
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Returns
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Tax Saved (30%)
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Year-by-Year Balance Growth
Balance Invested
Maturity Composition
Principal Invested—
Interest Earned—
💰 Loan & Partial Withdrawal Eligibility
Loan eligible (Year 3–6)—
Loan limit (25% of Yr 2 balance)—
Partial withdrawal (from Year 7)—
Withdrawal limit (50% of Yr 4 balance)—
Year-by-Year Growth
YearInvestedInterestBalance
PPF — Frequently Asked Questions
What is the current PPF interest rate in 2026?+
The PPF interest rate for Q1 FY 2026-27 (April–June 2026) is 7.1% per annum. The government reviews and announces PPF rates quarterly. The rate has been stable at 7.1% since April 2020. Interest is compounded annually and credited on March 31 each year.
What is PPF EEE tax benefit?+
PPF has Exempt-Exempt-Exempt (EEE) tax status: (1) Investment qualifies for 80C deduction up to ₹1.5L; (2) Interest earned is completely tax-free; (3) Maturity amount is fully exempt from tax. No other investment offers all three exemptions simultaneously, making PPF the most tax-efficient instrument for debt investors.
Can I extend PPF beyond 15 years?+
Yes. After the 15-year mandatory lock-in, you can extend PPF in blocks of 5 years (20 years, 25 years, etc.) with or without further contributions. If extended with contributions, the same 80C and EEE benefits continue. If extended without contributions, the balance continues earning interest.
When can I take a loan against PPF?+
A loan can be taken from the 3rd year to the 6th year of account opening. Maximum loan: 25% of the balance at the end of the 2nd preceding year. Loan interest rate is PPF rate + 1%. The loan must be repaid within 36 months, after which a second loan can be taken.
When can I do partial withdrawal from PPF?+
Partial withdrawal is allowed from the 7th year onwards (from financial year 7, i.e., after 5 complete years). You can withdraw up to 50% of the balance at the end of the 4th preceding year. Only one withdrawal is allowed per financial year.
What is the best time to deposit in PPF for maximum interest?+
PPF interest is calculated on the minimum balance between the 5th and last day of each month. To earn maximum interest, deposit your yearly contribution before April 5th. If depositing monthly, ensure deposits reach the account before the 5th of each month.
📊 PPF Key Facts 2026
Interest Rate7.1% PA
Min Investment₹500/yr
Max Investment₹1,50,000/yr
Lock-in Period15 Years
Tax StatusEEE (Exempt)
80C BenefitYes — up to ₹1.5L
CompoundingAnnual
Guaranteed byGovernment of India
📈 PPF vs Other Instruments
PPF (current)7.1%
FD (top banks)7.0–7.5%
NSC7.7%
Sukanya Samriddhi8.2%
ELSS (historical)12–15%
NPS (equity)10–12%
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PPF Calculator India 2026 — Public Provident Fund Returns Calculator

The Public Provident Fund (PPF) is one of India's most trusted long-term savings instruments, backed by the Government of India and offering EEE tax status. With the current rate of 7.1% per annum, PPF remains a core pillar of any Indian investment portfolio.

PPF Maturity at ₹1.5 Lakh Annual Deposit

PeriodTotal InvestedInterest EarnedMaturity (7.1%)
15 Years₹22.5L₹18.2L₹40.7L
20 Years₹30L₹36.6L₹66.6L
25 Years₹37.5L₹67.3L₹1.05Cr
30 Years₹45L₹1.1Cr₹1.55Cr

Why PPF is the Gold Standard for Debt Investing

Unlike fixed deposits, PPF interest is fully tax-free under Section 10(11) of the Income Tax Act. For a person in the 30% tax bracket, FD at 7.5% effectively yields only 5.25% post-tax — making PPF at 7.1% the clear winner. Add the 80C deduction of up to ₹46,800 (30% of ₹1.56L including cess) per year, and the effective post-tax yield of PPF is far superior.

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