ⓘ Interest compounded annually. PPF rate 7.1% current as of 2026. Invest before 5th April for full-year interest.
🎯
■ Invested■ Interest Earned
PPF Corpus Growth Over Time
PPF vs SIP — Head to Head
📊 Year-wise Breakdown
💡 Smart PPF Tips
📅
Invest before 5th of the month — PPF interest is calculated on the lowest balance between the 5th and last day of each month. Depositing early in April earns interest for the full year.
📈
Max out 80C every year — Invest ₹1,50,000 each year to claim full Section 80C deduction. At 30% tax bracket that is ₹46,800 saved in tax annually — on top of the 7.1% interest.
🏛️
Always extend after 15 years — Don't close after the lock-in. Extending in 5-year blocks keeps compounding running, stays EEE tax-free, and lets partial withdrawals continue.
💰
Partial withdrawal rules — From Year 7 onwards you can withdraw up to 50% of the balance at end of Year 4 or preceding year, whichever is lower. Plan liquidity needs around this.
⚖
Combine PPF + SIP — Use PPF for guaranteed, tax-free debt allocation and SIP for equity growth. Together they form a balanced portfolio: safety from PPF, returns from SIP.
Frequently Asked Questions
What is the current PPF interest rate in 2026?
The current PPF interest rate is 7.1% per annum, compounded annually. It is set by the Government of India and reviewed quarterly. TekproAI lets you edit this for scenario planning.
What is the maximum PPF investment per year?
The maximum is ₹1,50,000 per financial year. The minimum is ₹500. Investments above ₹1,50,000 do not earn interest and are not eligible for the Section 80C deduction.
Can I extend my PPF account after 15 years?
Yes. After the mandatory 15-year lock-in, you can extend in 5-year blocks with or without continued deposits. The corpus keeps earning interest in both cases. Use the Extension tab above to model this.
Is PPF interest and maturity amount tax-free?
Yes. PPF is EEE — Exempt at investment (Section 80C deduction up to ₹1.5L/year), Exempt on interest earned every year, and Exempt on maturity. No TDS, no capital gains tax. One of the best risk-free investments in India.
PPF or SIP — which should I choose?
PPF gives guaranteed returns (7.1%), full capital safety, and EEE tax status — ideal for risk-averse investors. SIP in equity mutual funds historically gives higher returns (10–12%) but with market risk. Most advisors recommend combining both: PPF for safety, SIP for growth.
⚠️
For educational use only. PPF interest rate (7.1%) is current as of 2026 and subject to change by the Government of India. Results are estimates based on standard formulas. TekproAI is not a SEBI-registered investment advisor.
Terms of Use