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PPFLong-Term Savings
Public Provident Fund
Current interest rate
7.1% p.a.
Rates valid for Q3 2026-27 (Oct-Dec)
A long-term, tax-saving investment vehicle backed by the government offering attractive returns and complete tax exemption.
Key details
- Minimum deposit₹500/year
- Maximum deposit₹1,50,000/year
- Tenure15 Years
- CompoundingAnnually
- Tax benefitsExempt-Exempt-Exempt (EEE) under Section 80C
Features and benefits
- Tax free maturity
- Partial withdrawals allowed
- Can be extended in blocks of 5 years
Tax & inflation view
Tax regime
- Tax saved via 80C (total)
- ₹4,50,000
- Tax on interest
- ₹0
- Post-tax value
- ₹40,68,209
- In today's money
- ₹19,56,878
Interest is tax-free (EEE). Estimate only. Excludes surcharge and cess; interest is taxed in the year it accrues.
PPF calculator
1.5 lakh
₹500₹1.5L
Total invested
₹22,50,000
Total interest
₹18,18,209
Maturity value
₹40,68,209
Year-by-year growth
| Year | Opening | Deposit | Interest | Closing |
|---|---|---|---|---|
| 1 | ₹0 | ₹1,50,000 | +₹10,650 | ₹1,60,650 |
| 2 | ₹1,60,650 | ₹1,50,000 | +₹22,056 | ₹3,32,706 |
| 3 | ₹3,32,706 | ₹1,50,000 | +₹34,272 | ₹5,16,978 |
| 4 | ₹5,16,978 | ₹1,50,000 | +₹47,355 | ₹7,14,334 |
| 5 | ₹7,14,334 | ₹1,50,000 | +₹61,368 | ₹9,25,701 |
| 6 | ₹9,25,701 | ₹1,50,000 | +₹76,375 | ₹11,52,076 |
| 7 | ₹11,52,076 | ₹1,50,000 | +₹92,447 | ₹13,94,524 |
| 8 | ₹13,94,524 | ₹1,50,000 | +₹1,09,661 | ₹16,54,185 |
| 9 | ₹16,54,185 | ₹1,50,000 | +₹1,28,097 | ₹19,32,282 |
| 10 | ₹19,32,282 | ₹1,50,000 | +₹1,47,842 | ₹22,30,124 |
| 11 | ₹22,30,124 | ₹1,50,000 | +₹1,68,989 | ₹25,49,113 |
| 12 | ₹25,49,113 | ₹1,50,000 | +₹1,91,637 | ₹28,90,750 |
| 13 | ₹28,90,750 | ₹1,50,000 | +₹2,15,893 | ₹32,56,643 |
| 14 | ₹32,56,643 | ₹1,50,000 | +₹2,41,872 | ₹36,48,515 |
| 15 | ₹36,48,515 | ₹1,50,000 | +₹2,69,695 | ₹40,68,209 |
Maturity value · 15 years
₹40,68,209
Total interest
+₹18.18L