PPF Calculator India 2025-26

Q: Can I withdraw from PPF before 15 years?

Partial withdrawal is allowed from Year 7. Maximum: 50% of balance at end of Year 4 or 50% of prior year balance, whichever is lower.

Q: What is EEE status in PPF?

EEE = Exempt-Exempt-Exempt. Deposits get 80C deduction, interest is tax-free, and maturity is tax-free. No other instrument offers all three.

Maturity Value

₹40.68 L

at end of term

Total Interest

₹18.18 L

100% tax-free

Wealth Multiple

1.81×

on invested amount

📅 Basic

📆 Yearly

🔄 Extend

Investment Details

Yearly Deposit

₹

₹500

₹12K

₹50K

₹1L

₹1.5L Max

Min ₹500 · Max ₹1,50,000 per year

PPF Interest Rate

Current: 7.1% p.a. (FY 2025-26)7.10%

6%7.1% Current12%

Investment Period

Min 15 years (extension in 5-yr blocks)15 yrs

15 yrs25 yrs35 yrs

🛡️

Section 80C — EEE Triple Exemption

Investing ₹1,50,000/year saves ₹4,50,000 in taxes over 15 years at 30% slab. Deposit exempt · Interest exempt · Maturity exempt.

Total Invested

₹22.50 L

over 15 years

Interest Earned

₹18.18 L

100% tax-free

Maturity Amount

₹40.68 L

after 15 years

Wealth Multiple

1.81×

on invested amount

Effective CAGR

7.10%

annualised

80C Tax Saved

₹4.50 L

at 30% slab

⚠️ Partial Withdrawal & Loan Eligibility

Earliest withdrawal allowedYear 7 onwards

Max withdrawal (50% of Yr 4 balance)₹—

Balance at end of Year 6₹—

Loan against PPF (Yr 3–6)₹—

Corpus Growth — Year by Year

Interest Earned Principal Invested

Year-by-Year Breakdown ▼

Year	Total Invested	Interest Earned	Balance

PPF interest is computed on the minimum balance between the 5th and last day of each month. Deposit before April 5th annually to maximise interest. Figures are estimates — actual returns depend on quarterly government rate revisions. Source: Ministry of Finance, India.

PPF Calculator India 2025-26 — Public Provident Fund Guide

The Public Provident Fund (PPF) is India's most trusted government-backed savings instrument — delivering 7.1% p.a. compounded annually with complete EEE tax exemption. Every serious investor should max their PPF before exploring other instruments.

⚡ PPF Quick Reference — FY 2025-26

Interest rate7.1% p.a. compounded annually

Minimum deposit₹500/year

Maximum deposit₹1,50,000/year

Minimum tenure15 years

Tax statusEEE — fully exempt

Section 80C deductionUp to ₹1.5L/year

Partial withdrawalFrom Year 7 (50% of Yr 4 balance)

Extension5-year blocks after 15 years

What is EEE Status?

PPF has Triple Exemption — Exempt-Exempt-Exempt. Your deposit qualifies for Section 80C deduction up to ₹1.5L, the interest earned is completely tax-free each year, and the maturity amount is entirely tax-free. No other commonly available instrument in India offers all three simultaneously.

PPF vs FD vs SIP — Which Wins?

PPF at 7.1%: Guaranteed, fully tax-free — effective pre-tax equivalent of ~10.1% for 30% bracket investors
Bank FD at 7%: Interest fully taxable — effective post-tax return drops to just 4.9% in the 30% slab
Equity SIP at 12% CAGR: Market risk, LTCG taxed at 10% above ₹1L — higher potential but no guarantee
Best strategy: Max PPF every year for guaranteed tax-free foundation, invest the rest in equity for growth

Frequently Asked Questions

What is the PPF interest rate for 2025-26?+

The PPF interest rate for FY 2025-26 is 7.1% per annum, compounded annually. This rate is set by the Government of India and reviewed quarterly. It has remained at 7.1% since April 2020.

What is the maturity if I invest ₹1.5 lakh per year in PPF?+

At ₹1,50,000 per year for 15 years at 7.1%, the PPF maturity is approximately ₹40.68 lakhs. Total invested: ₹22.5 lakhs. Interest earned: approximately ₹18.18 lakhs — completely tax-free under EEE status.

Can I withdraw from PPF before 15 years?+

Partial withdrawal is allowed from Year 7 (after 6 complete financial years). Maximum: 50% of balance at end of Year 4 or 50% of balance at end of previous year, whichever is lower. Only one withdrawal per year is permitted.

What is EEE status in PPF?+

EEE = Exempt-Exempt-Exempt. (1) Deposits qualify for Section 80C deduction up to ₹1.5 lakh per year. (2) Interest earned every year is completely tax-free. (3) The maturity amount is entirely tax-free. No other commonly available investment in India offers all three exemptions simultaneously.

PPF or ELSS for 80C?+

Both qualify for 80C. ELSS has 3-year lock-in vs PPF's 15. ELSS returns are market-linked; gains taxed at 10% LTCG above ₹1L. PPF is guaranteed and fully tax-free. Best combination: max PPF first for EEE stability, then ELSS for equity growth beyond ₹1.5L/year.

Can I open a PPF account online?+

Yes. PPF accounts can be opened online through major bank net banking portals (SBI, HDFC, ICICI, Axis) or through India Post Payments Bank. The process is paperless with eKYC. You can then manage deposits, check balance, and initiate withdrawals online.

📌 Live Summary

Maturity amount₹40.68 L

Total invested₹22.50 L

Interest earned₹18.18 L

Tax saved (30%)₹4.50 L

Wealth multiple1.81×

📌 PPF Quick Facts 2025-26

Interest rate7.1% p.a.

Min deposit₹500/year

Max deposit₹1,50,000/yr

Tax statusEEE

80C benefit₹1.5L/year

Withdrawal fromYear 7

Extension5-yr blocks

💡 PPF Strategy Tips

→Deposit ₹1.5L before April 5th each year to earn interest for the full year

→Max PPF first, then put remaining savings in equity SIP for long-term wealth

→Open PPF for your spouse and minor children — each gets separate ₹1.5L limit

→Use extension without fresh deposits for compounding — no new lock-in

📌 Related Calculators

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PPF Calculator India 2025-26 — Public Provident Fund Guide

What is EEE Status?

PPF vs FD vs SIP — Which Wins?

PPF + Equity SIP = The Winning Wealth Formula