Post Office Public Provident Fund (PPF) Calculator 2026: Interest Rate (7.1%), Rules & Tax Benefits

For long-term capital preservation, retirement planning, and disciplined wealth compounding, the Public Provident Fund (PPF) offered through India Post branches is unmatched. Administered by the Central Government, PPF deposits are backed 100% by sovereign sovereign credit and cannot be attached by any court of law under any debt decree.

Utilizing a comprehensive post office ppf calculator interest rate projection table helps savers understand the immense power of 15 years of annual compounding at 7.1% interest.

PPF Maturity Corpus Calculation (15 Years at 7.1% Interest)

Annual Deposit (₹)	Monthly Equivalent (₹)	Total Invested (15 Yrs)	Total Interest Earned (₹)	Maturity Corpus (15 Yrs)
₹12,000 / year	₹1,000 / month	₹1,80,000	₹1,45,457	₹3,25,457
₹36,000 / year	₹3,000 / month	₹5,40,000	₹4,36,370	₹9,76,370
₹60,000 / year	₹5,000 / month	₹9,00,000	₹7,27,284	₹16,27,284
₹1,20,000 / year	₹10,000 / month	₹18,00,000	₹14,54,567	₹32,54,567
₹1,50,000 / year (Max)	₹12,500 / month	₹22,50,000	₹18,18,209	₹40,68,209

PPF Account Rules: Loans, Partial Withdrawals & Extension

• Loan Against PPF: Available from the 3rd financial year up to the 6th financial year. You can borrow up to 25% of the balance standing at the end of the second preceding financial year at an ultra-low interest rate of just 1% above the PPF rate.
• Partial Withdrawals: Permitted from the 7th financial year onwards. You can withdraw up to 50% of the account balance standing at the end of the 4th preceding year or preceding year, whichever is lower.
• Account Extension in 5-Year Blocks: After 15 years, you can extend your PPF account indefinitely in blocks of 5 years, with or without making further annual contributions, while continuing to earn tax-free compound interest!

Frequently Asked Questions (FAQs)

1. Can I open a PPF account online in India Post?

Yes. If you possess an active KYC-compliant Post Office Savings Account (POSA) with internet banking credentials, you can open and fund your PPF account directly via DoP Internet Banking.

2. Can an NRI open a PPF account?

Resident Indians who subsequently become NRIs can continue their existing PPF accounts until the 15-year maturity on a non-repatriable basis. However, fresh PPF accounts cannot be opened by NRIs.

3. What happens if I miss the minimum deposit of ₹500 in a year?

The account becomes discontinued. It can be revived anytime before maturity by paying a penalty fee of ₹50 per defaulted year along with the minimum ₹500 annual subscription.