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PPF / FD / RD Calculator
Calculate PPF maturity at 7.1%, Fixed Deposit returns, and Recurring Deposit maturity — free, instant, for India.
PPF 7.1%
Fixed Deposit
Recurring Deposit
🏛️ PPF / FD / RD Calculator FREE
📌 PPF interest rate: 7.1% p.a. (Q2 FY 2025-26) · EEE tax-free · Max ₹1.5L/year · 15 year lock-in
Yearly Investment Amount ₹1,50,000
₹
Investment Period 15 years
✅ Interest rate locked at 7.1% (current govt rate) · Changes quarterly
PPF Maturity Amount (Tax-Free)
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Total Invested
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Interest Earned
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Tax Saved (30%)
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| Year | Invested (₹) | Interest (₹) | Balance (₹) |
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📈 Also calculate SIP vs PPF returns
Compare mutual funds vs PPF over 15+ years
All calculations are estimates based on inputs. PPF rate shown is current govt rate (7.1% Q2 FY25-26) subject to quarterly revision. FD/RD rates vary by bank. Not financial advice.
PPF, FD & RD Calculator — India Savings Guide
Public Provident Fund (PPF) is India's most popular tax-free, government-backed savings scheme with a current interest rate of 7.1% p.a. (Q2 FY 2025-26). It offers EEE tax benefits — contributions (up to ₹1.5L/year), interest, and maturity are all tax-free under Section 80C.
PPF vs FD vs RD — Quick Comparison
| Feature | PPF | FD | RD |
|---|---|---|---|
| Interest Rate | 7.1% (govt) | 6.5–8.5% | 6.5–8% |
| Lock-in Period | 15 years | 7 days–10 years | 6–120 months |
| Tax on Returns | Tax-free (EEE) | Taxable | Taxable |
| 80C Deduction | ✅ Yes | Only 5yr tax-saver FD | ❌ No |
| Best For | Long-term tax-free savings | Fixed lumpsum, flexible | Monthly savings habit |
Frequently Asked Questions
What is the PPF interest rate in 2025-26?
The PPF interest rate is 7.1% p.a. for Q2 FY 2025-26 (July–September 2025). The rate is reviewed and set by the Ministry of Finance every quarter. It has been stable at 7.1% since April 2020.
Can I invest more than ₹1.5 lakh in PPF per year?
No. The maximum annual PPF investment is ₹1,50,000 per financial year. Amounts above this limit earn no interest and are not eligible for tax deduction under Section 80C. The minimum annual investment is ₹500.
What happens to PPF after 15 years?
After the mandatory 15-year lock-in, you can: (1) Withdraw the full maturity amount tax-free, (2) Extend for 5 years without further contributions and continue earning interest, or (3) Extend in blocks of 5 years with continued contributions. Many investors extend because the tax-free compounding remains highly beneficial.
Which FD gives the highest interest rate in India 2025?
Small Finance Banks typically offer the highest FD rates — often 8–9% p.a. Among major banks: HDFC Bank offers up to 7.4%, SBI up to 7.1%, and ICICI Bank up to 7.25% for regular customers. Senior citizens get 0.25–0.5% extra. Always check the latest rates directly with your bank before investing.
Is RD better than SIP?
RD is safer with guaranteed returns (6.5–8%) but returns are taxable. SIP in equity mutual funds targets 10–15% CAGR but with market risk. For conservative investors with a short horizon (<5 years) who want capital protection, RD is better. For long-term wealth creation (5+ years), SIP typically wins due to higher returns and tax efficiency on LTCG.