PPF Calculator 2026
Calculate your PPF maturity value at the current 7.1% interest rate. Includes year-wise compounding breakdown and tax-free return analysis.
PPF Calculator
Current PPF rate: 7.1% p.a. (Q1 FY 2025-26)
PPF Calculator FAQs
What is the maximum I can invest in PPF per year?
The maximum investment in PPF is ₹1,50,000 per financial year (April to March). The minimum is ₹500 per year. You can make up to 12 deposits per year.
When is the best time to deposit in PPF?
To maximise interest, deposit before the 5th of each month. PPF interest is calculated on the minimum balance between the 5th and last day of each month and credited at year end.
Is PPF maturity amount taxable?
PPF enjoys EEE (Exempt-Exempt-Exempt) tax status: (1) Contributions are deductible under Section 80C. (2) Interest earned is tax-free. (3) Maturity amount is completely tax-free.
Can I take a loan against my PPF account?
Yes — you can take a loan against PPF from the 3rd to the 6th financial year. The loan amount can be up to 25% of the balance at the end of the 2nd year preceding the loan application.
Can I withdraw PPF before 15 years?
Partial withdrawal is allowed from the 7th year onwards (up to 50% of balance at end of 4th year or previous year, whichever is lower). Premature closure is allowed after 5 years for medical emergencies or education.