Calculate 15-year PPF maturity with optional 5-year extensions, year-wise breakup, and 80C tax savings. Current rate 7.1% (verified for Q1 FY 2026-27, unchanged since April 2020). EEE tax status: contribution, interest, maturity all tax-free.
Best risk-free tax-saving investment in India. EEE status — Exempt at all 3 stages.
Indian residents only (NRIs cannot open new, can continue existing). One account per person — multiple accounts NOT allowed. Joint accounts NOT permitted. Minor accounts (by guardian) allowed.
Min: ₹500/year (keep account active). Max: ₹1,50,000/year. Across multiple accounts (yours + minor's), max combined ₹1.5L. Pay anytime in financial year (April–March). 12 installments max per year.
Interest calculated on lowest balance between 5th and last day of each month. So invest BEFORE 5th of month to earn that month's interest. Credited to account on 31 March each year. Compound annually.
Allowed from year 7 onwards. Maximum: 50% of balance at end of year 4 OR previous year balance, whichever lower. One withdrawal per year. No questions asked — flexible liquidity.
Allowed after 5 years for: (a) Life-threatening illness (self/family), (b) Higher education (self/children), (c) Change of residency (NRI status). Penalty: 1% lower interest rate from inception.
After 15-year maturity: (a) Withdraw all, (b) Extend with contributions (5-year blocks, partial withdrawal allowed), (c) Extend without contributions (keep earning interest, partial withdrawal once a year). Submit Form H within 1 year of maturity.
