What is the PPF maturity period?

PPF has a minimum tenure of 15 years. After maturity, you can extend in blocks of 5 years with or without contribution. The account can be extended indefinitely.

Is PPF interest tax-free?

Yes. PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: the investment is tax-deductible under Section 80C, the interest earned is tax-free, and the maturity amount is completely tax-free.

What is the maximum PPF investment per year?

The maximum PPF investment is ₹1,50,000 per financial year (April to March). Minimum is ₹500 per year. You can invest in a lump sum or up to 12 installments in a year.

🏛️ Tax-Free Investment

PPF Calculator

Calculate your Public Provident Fund maturity amount, yearly interest, tax savings under 80C and total tax-free returns after 15 years.

EEE Tax Benefit — Invest · Earn · Withdraw — All TAX FREE

Investment deductible under Sec 80C · Interest tax-free · Maturity tax-free

Current PPF Interest RateSet by Government of India (Q1 2025)

7.1% p.a.

Yearly investment (₹)

₹

Max ₹1,50,000 per year · Min ₹500

Interest rate (%)

Investment period (years)

Your income tax slab

Maturity amount (tax-free) --

--Total invested

--Interest earned

--Wealth multiplier

💚 Your tax savings (Section 80C)

--Saved per year

--Total tax saved

--Your slab

Investment vs interest breakdown

Invested --

Interest --

Year-by-year PPF growth

Year	Deposit	Interest	Balance	Tax saved

About Public Provident Fund (PPF)

PPF is one of India's most popular long-term savings schemes, backed by the Government of India. It offers triple tax exemption under the EEE category — your investment, returns and withdrawal are all completely tax-free.

🏛️ Government backed

PPF is sovereign guaranteed — your money is 100% safe regardless of any economic conditions. Available at SBI, Post Office, nationalised banks and select private banks.

💰 Section 80C benefit

Up to ₹1.5 lakh invested annually qualifies for 80C deduction. At 30% slab, you save ₹46,800 in tax every year — that's an additional return on top of PPF interest.

🔒 Loan & withdrawal

Loan available from year 3 (up to 25% of balance). Partial withdrawal allowed from year 7. Premature closure allowed after 5 years on specific grounds.

📈 15 year power

₹1.5L/year at 7.1% for 15 years grows to ₹40.68 lakh from ₹22.5L invested. Extend to 30 years and the same deposits grow to ₹1.54 crore — the power of compounding.

Frequently asked questions

What is the current PPF interest rate in 2025?

The PPF interest rate is 7.1% per annum for 2025, compounded annually. The rate has been stable at 7.1% since April 2020. The rate is reviewed quarterly by the Government and credited to accounts on March 31 each year.

What is the maximum amount I can invest in PPF per year?

Maximum investment is ₹1,50,000 per financial year (April to March). Minimum is ₹500 per year. You must deposit at least ₹500 per year to keep the account active. Invest before April 5 each year for maximum interest.

Is PPF better than FD or RD?

PPF is better for long-term (15+ years) because of triple tax-free status. At 30% slab, effective PPF return is much higher than FD (taxable). FD/RD are better for short-term goals (1–5 years) where you need liquidity.

Can I open a PPF account in any bank?

Yes. PPF accounts can be opened at SBI, Punjab National Bank, Bank of Baroda, Canara Bank, HDFC Bank, ICICI Bank, Axis Bank, and all Post Offices. Online opening is available through most bank internet banking platforms.

When does PPF interest get credited?

PPF interest is calculated on the minimum balance between the 5th and last day of each month, but credited to the account on March 31 each year. To maximise interest, always invest before the 5th of April (start of financial year).