What is the PPF interest rate?▾
The government sets it every quarter. It was 7.1% a year through FY 2025-26. Always check the current notified rate before investing.
Is PPF tax-free?▾
PPF has EEE status: deposits qualify for section 80C (old regime), and both the interest and the maturity amount are tax-free.
Can I withdraw from PPF before 15 years?▾
Partial withdrawals are allowed from the 7th financial year, and loans between the 3rd and 6th years. Premature closure is allowed after 5 years for specific reasons such as medical treatment or higher education.
What happens after 15 years?▾
You can close the account, keep it without new deposits (it keeps earning interest), or extend it with deposits in blocks of 5 years.
