PPF Calculator 2025-26

The PPF interest rate for Q1 FY 2025-26 (April–June 2025) is 7.1% per annum, compounded annually. The government reviews this rate every quarter. It has remained at 7.1% since April 2020. Interest is calculated on the minimum balance between the 5th and last day of each month — so always deposit before the 5th to earn full monthly interest.

The minimum deposit per year is ₹500 and the maximum is ₹1,50,000. You can make a maximum of 12 deposits per year, in any amount above ₹50. The account becomes inactive if you fail to deposit the minimum ₹500 in any year, and you must pay a ₹50 penalty per missed year to reactivate it.

PPF has a mandatory lock-in period of 15 years. After 15 years, you can either withdraw the full amount, or extend the account in 5-year blocks — with or without further contributions. Partial withdrawals are allowed from the 7th year onwards (up to 50% of balance at end of 4th year or preceding year, whichever is lower).

Yes. PPF has EEE (Exempt-Exempt-Exempt) tax status — the only investment with this benefit. Your yearly deposit is eligible for deduction up to ₹1.5L under Section 80C. The interest earned every year is completely tax-free. And the entire maturity amount — principal plus interest — is fully exempt from income tax.

Yes. You can take a loan against your PPF account from the 3rd to 6th year of opening the account. The loan amount can be up to 25% of the balance at the end of the 2nd year preceding the loan year. The interest charged is 1% above the PPF rate (currently 8.1%). The loan must be repaid within 36 months.