The current PPF interest rate is 7.1% per annum (as of 2025-26). It is set by the government and revised quarterly.
What is the PPF lock-in period?▼
PPF has a mandatory lock-in of 15 years. Partial withdrawals are allowed from the 7th year. After 15 years, you can extend in blocks of 5 years.
Is PPF tax-free?▼
Yes, PPF enjoys EEE (Exempt-Exempt-Exempt) status. Your contribution (up to ₹1.5L) is deductible under 80C, the interest earned is tax-free, and the maturity amount is tax-free.
What is the maximum PPF contribution?▼
Minimum ₹500/year and maximum ₹1,50,000/year. You can make up to 12 deposits in a year.