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PPF Calculator
Result
Chart
Show formula & working
Each month: interest = lowest balance between the 5th and month-end × rate ÷ 12; credited at the end of the year
Loan (years 3–6): 25% of the balance at the end of the second preceding year · Withdrawal (from year 7): 50% of the lower of the balance at the end of the fourth preceding year and the preceding year
Details
Small savings interest rates, 1 Oct – 31 Dec 2026 (Q3 FY 2026-27): rates and rules as of 01-Oct-2026 · Source: Government of India OM F.No.1/4/2019-NS dated 30 Sep 2026 (Q3 rates unchanged from Q2), as published by Indian Bank; RD 6.7% and savings 4% from India Post. Every figure based on it stays editable.
PPF interest, loan and withdrawal rules: rates and rules as of 12-Dec-2019 · Source: Public Provident Fund Scheme, 2019 (Gazette notification), paras 4, 7, 9, 10, 11, 12. Every figure based on it stays editable.
How this works
PPF interest is worked out monthly on the lowest balance after the 5th, so deposits made by the 5th earn interest for that month. Depositing the year's amount by 5 April earns the most.
The account matures 15 years after the end of the year of opening and can be extended in 5-year blocks.
Frequently asked questions
What is the deposit limit?
₹500 to ₹1.5 lakh in a financial year, under the PPF Scheme, 2019.
Is PPF interest taxable?
PPF interest is exempt under current tax law; deposits qualify for deduction under the old regime.