PPF Calculator India 2026: Calculate Your Public Provident Fund Returns

PPF Calculator India 2026 — Key Facts: The Public Provident Fund (PPF) offers a guaranteed interest rate of 7.1% per annum for the July-September 2026 quarter, unchanged for the ninth consecutive quarter. You can invest between ₹500 and ₹1.5 lakh per financial year. PPF comes with a 15-year lock-in period and offers EEE (Exempt-Exempt-Exempt) tax benefits — contributions are deductible under Section 80C, interest earned is tax-free, and maturity proceeds are completely tax-free. Use our PPF calculator to see how your money grows. Track all your investments with INDwallet’s free Wealth Wallet.

AI Summary: PPF Calculator India 2026

• Current PPF Interest Rate: 7.1% per annum, compounded annually. Unchanged for the ninth consecutive quarter (July-September 2026).
• Investment Limits: Minimum ₹500 per financial year; maximum ₹1.5 lakh per financial year.
• Tax Benefits: EEE status — contributions deductible under Section 80C (up to ₹1.5 lakh), interest tax-free, maturity tax-free.
• Key Rule: Interest is calculated on the lowest balance between the 5th and last day of each month. Deposit before the 5th to earn interest for that month.
• Maturity & Withdrawal: 15-year lock-in period, extendable in 5-year blocks. Partial withdrawals allowed from the 7th financial year.
• Track your PPF and all other investments in Wealth Wallet — completely free and private.

1. What is the Public Provident Fund (PPF)?

The Public Provident Fund (PPF) is one of India’s most trusted government-backed savings schemes. Known for its safety, guaranteed returns, and tax benefits, it is widely used by investors looking to build long-term wealth and create a retirement corpus.

PPF is a long-term, small savings scheme offered by the Government of India. It provides guaranteed interest at 7.1% per annum (as of August 2026) and falls under the EEE (Exempt-Exempt-Exempt) tax regime, meaning your contributions, interest earned, and maturity proceeds are all completely tax-free.

2. PPF Calculator: Calculate Your Maturity Amount

Use this free PPF calculator to estimate your maturity amount. Enter your annual contribution, investment tenure, and see how your money grows with compound interest at 7.1% p.a.

3. PPF Rules and Key Features (2026)

4. PPF Tax Benefits: The EEE Advantage

One of the biggest attractions of PPF is its Exempt-Exempt-Exempt (EEE) status:

• Exempt (Investment): Contributions up to ₹1.5 lakh per financial year are deductible under Section 80C of the Income Tax Act.
• Exempt (Interest): The interest earned on your PPF balance every year is completely non-taxable.
• Exempt (Maturity): The maturity proceeds obtained upon completion of the term are also not taxable.

This makes PPF one of the most tax-efficient investment options available in India.

5. How to Use the PPF Calculator

Using the PPF calculator is simple:

1. Enter your annual contribution: Between ₹500 and ₹1,50,000.
2. Choose your investment tenure: Minimum 15 years (extendable in 5-year blocks).
3. Review the interest rate: The current rate is 7.1% p.a. (as of August 2026).
4. Click Calculate: Instantly view your maturity amount, total investment, and interest earned.

The calculator uses the compound interest formula: A = P × [{(1 + r)ⁿ – 1} / r], where A is the maturity amount, P is the annual contribution, r is the interest rate (7.1%), and n is the number of years invested.

6. PPF Investment Scenarios: How Much Can You Grow?

Here are some common investment scenarios at 7.1% p.a.:

Note: A 20-year-old investing ₹46,000 annually (₹126/day) for 40 years can build a corpus of over ₹1 crore by age 60.

7. PPF Withdrawal and Loan Rules

• Partial Withdrawal: Permissible every year from the 7th financial year. The Budget 2026 reduced the waiting period for partial withdrawals from 5 years to 4 years.
• Loan Facility: Available from the 3rd financial year up to the 6th financial year. The loan amount is typically limited to 25% of the balance at the end of the year preceding the loan application.
• Premature Closure: Not allowed before 15 years except in specific cases (medical emergencies, higher education, etc.).
• Account Discontinuation: If you fail to deposit the minimum ₹500 in a financial year, your account becomes discontinued. To reactivate, you must pay ₹500 for each missed year plus a penalty of ₹50 per year.

8. Common Mistakes to Avoid with PPF

9. PPF vs Other Small Savings Schemes

Here’s how PPF compares with other popular small savings schemes (rates for July-September 2026):

10. How to Track Your PPF and Other Investments

INDwallet’s Wealth Wallet consolidates all your PPF, fixed deposits, mutual funds, stocks, and other investments in one place — completely free and private.

• View your PPF balance and interest earned in real-time
• Track maturity dates across all your investments
• Monitor your total annual contributions for tax planning
• Get a complete view of your net worth

Try Wealth Wallet (Free)