A PPF chart is a table showing how a fixed yearly deposit grows year by year, at the interest rate the government has set for that period. This guide walks through the current rate, a worked year-wise maturity chart for three common deposit levels, what the 15-year lock-in actually means, and how PPF compares with Sukanya Samriddhi Yojana for a long-term, tax-free goal.
PPF Interest Rate: Current Rate and History
The PPF interest rate for the July-September 2026 quarter is 7.1% per annum, compounded annually. This is confirmed in the Ministry of Finance, Department of Economic Affairs notification dated June 30, 2026, which kept small savings rates for Q2 FY 2026-27 unchanged from the preceding quarter. The rate has not moved from 7.1% since April 1, 2020, making it one of the most stable small savings rates on offer, even though it is technically reviewed every quarter alongside SSY, the Senior Citizens' Savings Scheme, and other post office instruments.
PPF (Public Provident Fund) is a savings scheme run by the central government, available through post offices and most nationalised and private banks. Any resident Indian individual can open one account in their own name, plus one on behalf of a minor child. Interest is calculated each month on the lowest balance held between the close of the fifth day of the month and its last day, then the twelve monthly figures are totalled and credited to the account at the end of the financial year, on March 31.
Why the rate stayed flat. Small savings rates are reviewed quarterly against yields on comparable government securities, but PPF's rate has been left unchanged for twenty-five consecutive quarters even as some other schemes in the same review cycle moved. That stability is one of the reasons PPF calculators tend to be used for long-horizon planning rather than short-term comparison shopping.
PPF Calculator Chart: Year-Wise Maturity Table
The table below shows the estimated maturity value for yearly deposits of ₹50,000, ₹1,00,000 and ₹1,50,000 (the statutory maximum), assuming a 7.1% annual rate remains unchanged and each year's deposit is made at the start of the PPF year.
| Year | ₹50,000/year | ₹1,00,000/year | ₹1,50,000/year (annual cap) |
|---|---|---|---|
| 1 | ₹53,550 | ₹1,07,100 | ₹1,60,650 |
| 5 | ₹3,08,567 | ₹6,17,134 | ₹9,25,701 |
| 10 | ₹7,43,375 | ₹14,86,749 | ₹22,30,124 |
| 15 (maturity) | ₹13,56,070 | ₹27,12,139 | ₹40,68,209 |
| 20 (one extension) | ₹22,19,429 | ₹44,38,859 | ₹66,58,288 |
| 25 (two extensions) | ₹34,36,005 | ₹68,72,010 | ₹1,03,08,015 |
For example, a yearly deposit of ₹1,50,000, kept up for the full 15-year term, reaches roughly ₹40.68 lakh against total deposits of ₹22.5 lakh — meaning about ₹18.18 lakh of the closing balance is interest, entirely tax-free under PPF's EEE treatment. Extending the account for one more 5-year block, without changing the yearly deposit, pushes the same contribution to roughly ₹66.58 lakh by year 20.
These figures assume the deposit is made in the first week of April each year, which is the pattern a calculator is built to illustrate. A deposit made after the 5th of a month misses that month's interest, so depositing late or in irregular instalments will land slightly below the chart above. For the underlying mechanics of how a calculator arrives at this figure, see the PPF Calculator guide.
The 15-Year Lock-In and Extension Rules
PPF matures 15 years from the end of the financial year in which the account was opened, not 15 years from the date of the first deposit. An account opened in June 2026 completes its term on March 31, 2042.
At maturity, an account holder can withdraw the full balance tax-free and close the account, extend the account in blocks of 5 years with fresh contributions (by submitting Form H within one year of maturity), or extend without further contributions, letting the existing balance keep earning interest. There is no cap on how many 5-year blocks can be taken, which is why the chart above includes the 20- and 25-year rows: for retirement planning, the extension years often matter more than the headline 15-year figure.
PPF vs Sukanya Samriddhi Yojana
A PPF calculator year-wise chart is often compared against SSY, since both offer Section 80C deduction and full EEE (exempt-exempt-exempt) tax treatment, but the two differ in eligibility, tenure, and current rate.
| Feature | Public Provident Fund (PPF) | Sukanya Samriddhi Yojana (SSY) |
|---|---|---|
| Who can open an account | Any resident Indian individual, any age, any gender | Parent/guardian, for a resident Indian girl child under 10 |
| Interest rate, Jul-Sep 2026 | 7.1% p.a. | 8.2% p.a. |
| Deposit period | 15 years, extendable in blocks of 5 | Up to 15 years from account opening |
| Maturity | 15 years (or later, if extended) | 21 years from account opening |
| Minimum/maximum yearly deposit | ₹500 / ₹1,50,000 | ₹250 / ₹1,50,000 |
| Tax treatment | EEE, Section 80C | EEE, Section 80C |
SSY currently pays a higher rate but is restricted to a girl child under 10 and locks funds in for longer. PPF is open to anyone and offers more flexibility on extension, which matters for a household that wants one account serving multiple purposes rather than one opened per child. For a fuller three-way comparison, see PPF vs NPS vs SSY.
FAQs
How much will ₹1.5 lakh a year in PPF be worth in 15 years?
At the current 7.1% rate, a yearly deposit of ₹1,50,000 made at the start of each year grows to roughly ₹40.68 lakh after 15 years, against total deposits of ₹22.5 lakh. This assumes the rate stays at 7.1% for the full term and the deposit is made in the first week of April each year.
Does a PPF calculator show the year-wise breakdown or just the final maturity figure?
A full PPF calculator should show both: the final maturity value and a year-by-year breakdown of the running balance, since the balance compounds differently depending on when in the year deposits are made. The PPF Calculator on this site includes the full yearly breakdown alongside the maturity figure.
Is the PPF interest rate the same at every bank and post office?
Yes. The PPF interest rate is set centrally by the Ministry of Finance and applies uniformly, whether the account is held at a post office, State Bank of India, or any other authorised bank. There is no separate post office or bank-specific rate. See our post office PPF calculator guide for how the account-opening and transfer process differs even though the rate doesn't.
What happens to the PPF chart numbers if the rate changes mid-term?
The chart above assumes the current 7.1% rate holds for the entire period shown. In practice, the rate is reviewed every quarter and can move up or down, in which case each subsequent year's interest is calculated at whatever rate is notified for that quarter, not the rate that applied when the account was opened.
Is This Right For You?
The figures above are illustrative and assume a constant 7.1% rate with no missed or irregular deposits. Anyone dealing with a disputed maturity calculation, an account opened decades ago under different rate history, a large accumulated balance, or a dispute that has reached a bank, post office, or court should get the specific figures verified by the branch holding the account or by a qualified chartered accountant, rather than relying on general figures such as these.
Conclusion
The current PPF interest rate is 7.1% for the July-September 2026 quarter, unchanged since April 2020. A PPF year-wise chart built off that rate shows a yearly deposit of ₹1,50,000 growing to roughly ₹40.68 lakh by the 15-year maturity mark, and to over ₹66 lakh with one 5-year extension. Because the rate is reviewed quarterly, any chart built today is a projection based on today's rate holding steady, not a guaranteed outcome.
To model a different deposit amount, frequency, or tenure, use the PPF Calculator. For the full mechanics behind the compounding, tax treatment, and withdrawal rules, see the PPF Calculator guide, and for a side-by-side against Sukanya Samriddhi, see PPF vs NPS vs SSY.