Finance Formula • Published on July 30, 2026 • Last updated July 30, 2026
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Maturity amount of the Public Provident Fund
Annual deposit amount (made at start of year)
Annual interest rate (set by government, e.g., 7.1% as decimal, r = 0.071)
Total number of years (PPF lock-in is 15 years)
The Public Provident Fund (PPF) is a popular long-term savings-cum-tax-saving instrument in India. It offers guaranteed interest rates set quarterly by the government, with tax-free returns and tax deductions under Section 80C.
Yes, you can extend your PPF account indefinitely in blocks of 5 years, either with or without fresh contributions.
The default lock-in period is 15 years, though partial withdrawals and loans against the balance are permitted starting from specified years.
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