PPF interest rate for October to December 2026
The published PPF rate for 1 October to 31 December 2026 is 7.1% per annum. The Ministry of Finance's 30 September 2026 notification states that small-savings rates for this quarter remain unchanged from the previous quarter. Rates can change in future quarters, so check the latest official notification before relying on a rate for financial planning.
PPF contribution limits and account duration
India Post's published PPF information describes a minimum annual deposit of ₹500, a maximum of ₹1,50,000 per financial year and an initial account term of 15 years. Confirm current eligibility, deposit rules, extensions and withdrawal conditions using the applicable official scheme rules.
How to use the GovtSave PPF calculator
Enter your planned yearly contribution and select an investment duration. Calculate the estimate to review the projected maturity value, total investment and estimated interest. Try different contributions to understand how your savings plan may change.
Why can the estimate differ from your PPF balance?
The calculator uses simplified assumptions about deposit timing and annual compounding. Actual PPF interest is calculated under prescribed scheme rules, including monthly balance requirements. Differences in deposit dates, credited interest and future rates can change the actual account balance.
What should you check before opening a PPF account?
Verify the applicable deposit limits, interest rate, account eligibility, nomination rules, withdrawal conditions, maturity options and tax treatment from official sources. Do not rely on an online estimate as a substitute for your account statement or official scheme rules.
PPF versus SSY, SCSS and POMIS
These schemes serve different purposes. PPF is designed for long-term savings, SSY is for eligible girl children, SCSS serves eligible senior citizens, and POMIS is structured around periodic monthly interest payments. Compare eligibility, access to funds, tenure and payout rules rather than choosing from the interest rate alone.
Frequently asked: Is the PPF calculator result guaranteed?
No. GovtSave provides illustrative estimates using the assumptions shown on the calculator. Actual interest rates, deposit timing and account rules can affect the final balance. Always verify current conditions with official sources.
Official PPF interest-rate information
Check the Department of Economic Affairs website for official small-savings interest-rate notifications. Review the applicable quarter and verify the rate again when the government issues a new notification.
Official information
Check current scheme terms, eligibility and applicable rates using the relevant official source before making decisions.
Visit official sourceGovtSave is an independent educational platform, not an official government website. Calculations are illustrative estimates and are not personalised financial advice. Verify current scheme rules with official sources.