PPF Interest Rate
The interest rate offered on the Public Provident Fund or PPF is not fixed but it is linked to the 10-year government bond yield. The rate doesn’t change on a day-to-day basis but is fixed at the beginning of a quarter based on the average bond yield in the previous three months.
PPF interest is compounded annually but the calculation is done every month. The interest is on the lowest balance between the 5th and last day of every month. If you invest before the 5th, the contribution will earn interest for that month too. In the fixed income space, the PPF interest rate is one of the highest. PPF is one of the most popular investment avenues which gets exempt-exempt-exempt (EEE) tax status. Although it comes with a lock-in period of 15 years, it allows partial withdrawals to be made from the seventh year onwards.
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PPF Interest Rate
The post office offers various types of deposit schemes for those looking to invest. These instruments are also known as small savings schemes. The USP of these schemes is their sovereign guarantee, i.e., they are backed by the central government. Some of these schemes such as NSC, SCSS, PPF etc. also offer tax-saving benefits under section 80C of the Income-tax Act, 1961.The interest rate offered on the Public Provident Fund or PPF is not fixed but it is linked to the 10-year government bond yield. The rate doesn’t change on a day-to-day basis but is fixed at the beginning of a quarter based on the average bond yield in the previous three months.PPF interest is compounded annually but the calculation is done every month. The interest is on the lowest balance between the 5th and last day of every month. If you invest before the 5th, the contribution will earn interest for that month too. In the fixed income space, the PPF interest rate is one of the highest. PPF is one of the most popular investment avenues which gets exempt-exempt-exempt (EEE) tax status. Although it comes with a lock-in period of 15 years, it allows partial withdrawals to be made from the seventh year onwards.
GPF interest rate for October-December 2026 quarter: Has Finance Ministry changed GPF rate from 7.1%?
The Ministry of Finance has set a 7.1% interest rate for the General Provident Fund, which will be applicable from October 1 to December 31, 2026. This rate will also extend to other funds linked to government establishments. The Finance Ministry evaluates the GPF interest rate every quarter, ensuring consistent returns for government employees saving in these funds.
PPF interest rate October- December 2026: Has Public Provident Fund interest rate hiked for this quarter?
The Ministry of Finance has reviewed interest rates for small savings schemes including the Public Provident. The rates will stay the same as those from the previous quarter. PPF accounts have a maturity period of 15 years and offer tax-free returns after five years.
Has government increased SSY, PPF, NSC, other small savings schemes' interest rates for October-December 2026 quarter?
The Ministry of Finance has announced that the interest rates for small savings schemes will remain steady for the next quarter. This decision comes after two years of rate stability since December 2024. The review took into account inflation and bond yields, which hinted at possible rate increases. However, the government opted to keep things as they are, potentially revisiting the rates depending on future economic shifts and inflation trends.
Will interest rates of PPF, SCSS and other small savings schemes go up on September 30 in next quarterly review due to high inflation?
On September 30, 2026, the Finance Ministry will evaluate interest rates for small savings schemes. With high inflation and increasing G-Sec bond yields, many are speculating about potential rate hikes. Currently, various schemes offer competitive returns exceeding 7%. Despite indicators suggesting adjustments, the government has kept rates steady for several quarters. The upcoming review will clarify the government's stance on these interest rates.
Latest PPF interest rate: Was Public Provident Fund interest rate hiked for Oct-Dec quarter?
The government raised the interest rate on just one small savings scheme for the quarter ending December 31, 2023.
What is the latest PPF interest rate?
The government has not changed the interest rates on small savings schemes like the PPF. PPF interest income is totally tax-free.
Can interest rate on PPF fall below 6.5% after repo rate cut of 1% this year?
PPF interest rate below 6.5%: The government will review the interest rate on PPF and other small savings schemes on June 30, 2025. If the PPF interest rate is cut by more than 0.10%, it will be below 7%. The last time this occurred was before August 1974. Read on to know what experts say about whether the PPF interest rate can fall below 6.5%.
What is the current PPF interest rate?
The interest rates will be revised at the end of this month, as is customary to revise every three months. Interest rate for PPF was last revised in April–June 2020 quarter.
Was PPF interest rate hiked for the January-March 2023 quarter?
For the January-March 2023 quarter, the government increased the interest rates on a few small savings schemes by 20 bps to 110 bps.
Was PPF interest rate hiked for Apr-June 2023 quarter? Latest Public Provident Fund rate
For the quarter from April to June 2023, the government has increased interest rates on a number of small savings schemes by up to 70 basis points.
Latest PPF interest rate: Was Public Provident Fund rate hiked for April-June 2024 quarter?
Latest PPF interest rate: The Public Provident Fund (PPF) is one of the most popular savings instruments. Note that only one PPF account can be maintained by an Individual, except an account that is opened on behalf of a minor.
How to calculate interest on PPF balance
The interest rate on PPF scheme is revied by the government every quarter. However, as per the PPF rules, the interest is calculated on a monthly basis but it is credited into the account at the end of the financial year i.e. on March 31.
Will your PPF investments continue to earn 7.1% interest this quarter? Here’s what the government has decided
The government has maintained the Public Provident Fund (PPF) interest rate at 7.1% for the October-December 2025 quarter. This small savings scheme offers tax-free interest and maturity, with annual deposits between Rs 500 and Rs 1.5 lakh. The account matures after 15 years, and rates are reviewed quarterly.
Will PPF, Sukanya Samriddhi, other small savings scheme interest rates go up in October?
PPF, Sukanya Samriddhi, Senior Citizen Savings Scheme Interest Rates: A significant rise in govt yield in the recent months could prompt a hike in interest rate of small savings schemes soon
Was PPF interest rate hiked for the October-December 2022 quarter?
The Public Provident Fund (PPF) is part of the small saving schemes' bucket of investment products. According to a circular issued by the Finance Ministry on September 29, the interest rates of certain small saving schemes have not been changed for the October-December 2022 quarter.
Rs 1.2 lakh/year vs Rs 10,000/month investment in PPF: Which option can help you make larger corpus in 15 years?
Investing a lump sum each year in a Public Provident Fund (PPF) results in a significantly higher corpus than making monthly contributions. Over a span of fifteen years, a yearly investment of Rs 1.2 lakh can grow to yield nearly Rs 99,000 more compared to the monthly deposit method. Plus, PPF provides tax advantages at three different stages, with the current interest rate standing at 7.1 percent per annum.
Will PPF interest rate increase for July-September quarter?
The central government has not revised the interest rate of PPF since April 2020. It has remained at 7.1 per cent since then. Will the interest rate of the Public Provident Fund (PPF) increase in July-September quarter? The interest rates of small savings schemes are linked to yields of 10-year Government Securities in the secondary market. To know whether there will be a hike in PPF interest for the next quarter, you need to understand how the interest rate is calculated. Take a look
Latest Public Provident Fund (PPF) interest rate
The Public Provident Fund or the PPF can be used to build a retirement corpus by saving on a regular basis over a considerable length of time, as it has a 15-year maturity and the option to extend the term further.
Has PPF interest rate for January-March 26 quarter been slashed? Check latest Public Provident Fund rate
Latest PPF interest rate: The Finance Ministry has confirmed that interest rates for small savings schemes, including the Public Provident Fund (PPF), will remain unchanged for the January-March 2026 quarter. PPF investors will continue to earn a tax-free interest of 7.1% on their deposits. This rate has been consistent since 2020.
PPF interest rate for July-September 2026: Has government changed 7.1% rate? Here's what investors should know
PPF interest rate: The Finance Ministry has maintained the Public Provident Fund (PPF) interest rate at 7.10% for the July-September 2026 quarter, keeping it unchanged from the previous period.
Latest PPF interest rate: What is the Public Provident Fund interest rate?
Latest PPF interest rate: The Public Provident Fund is highly favored for its long-term guaranteed earnings and tax benefits. By allocating small amounts of money regularly, the PPF scheme assists in initiating savings to create a fund that aligns with your set objectives.
Will PPF interest rate fall in 2026 to a historical low seen in last 49 years?
The Public Provident Fund (PPF) interest rate, currently at 7.1%, is due for a quarterly review on December 31, 2025. Despite 10-year G-Sec yields and low inflation suggesting a potential cut, the government may maintain the status quo to protect investor earnings, especially for retirees.
Why government is unlikely to cut PPF interest rate sharply
Interest rates on small savings schemes are due for recalibration next week, but analysts believe the government might avoid making steep cuts.
PPF interest rate 2026: Has Public Provident Fund interest rate increased for April-June 2026 quarter?
Public Provident Fund interest rate: The Finance Ministry confirmed that rates for small savings schemes will continue from the previous quarter. PPF offers tax benefits on contributions, interest, and withdrawals, making it a popular investment.
What is the PPF interest rate for July-September quarter of FY 2023-24
The finance ministry made this announcement via a circular issued on June 30, 2023. The interest rates of schemes like the 1-and 2-year post office time deposit, 5-year recurring deposits have been hiked.
Will govt hike PPF, Sukanya Samriddhi schemes’ interest rates in April 2023?
Interest rates of small savings schemes including PPF, Sukanya Samriddhi Yojana account (SSY), Senior Citizen Savings Scheme (SCSS), and National Savings Certificates (NSC) are due for revision at the end of this month. The rates will be applicable for the April-June quarter of FY2023-24. Will the interest rate of Public Provident Fund and Sukanya Samriddhi Yojana increase this time?
Will PPF, Sukanya Samriddhi, SCSS interest rates be hiked for December quarter?
Will the interest rates of PPF, Sukanya Samriddhi Account, Senior Citizens Savings Schemes (SCSS) go up in December quarter? The Central Government reviews the interest rates of small savings schemes every quarter based on the G-Secs yields of the previous three months. To know whether there will be a hike in post office schemes for the October-December quarter, you need to understand how the interest rates are calculated first. There are set formulae for mark-ups over the previous three months’ average yield of relevant G-Secs of comparable maturity. Find out what experts suggest.
Latest PPF interest rate: Was Public Provident Fund rate hiked for January-March 2024 quarter?
The government has raised the rate of interest on two small savings schemes for the quarter January-March 2024 by 10-20 basis points. However, the PPF rate has been unchanged from April-June 2020.
Will PPF interest rate be finally hiked in 2024 after remaining unchanged since April 2020?
PPF, Senior Citizen Savings Scheme, and Sukanya Samriddhi Account: Interest rates of small savings schemes are due for revision at the end of this month. The interest rates of small savings schemes are linked to yields of 10-year Government Securities in the secondary market. There are set formulae for mark-ups over the previous three months’ average yield of relevant G-Secs of comparable maturity. Let's see if you are in for a New Year bonanza from the Central Government this time.
No cut in PPF, NSC, other post office schemes' interest rates for Q4 of FY 2020-21
This was announced by the finance ministry via a circular dated Dec 30, 2020. As per the circular, PPF will continue to earn 7.10%, the NSC will fetch 6.8%. Here is a look at the interest rates on various small savings schemes for the final quarter of FY 2020-21.
Latest PPF interest rate in 2025: What is the Public Provident Fund interest rate for January – March 2025?
PPF interest rate in 2025: One of the popular schemes under small savings schemes is Public Provident Fund (PPF) which is a long-term savings instrument that encourages customers to save while providing them tax benefits. The government has kept the small savings schemes interest rates unchanged.
Latest PPF interest rate: What is the Public Provident Fund interest rate for the October-December 2024 quarter?
Latest PPF interest rate: The government revises the interest rates of all small savings schemes every quarter. Some popular post office schemes are the Public Provident Fund, Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Post Office Time Deposits (POTD), Mahila Samman Savings Certificate, and Post Office Monthly Income Scheme (POMIS).
PPF, SCSS, Sukanya Samriddhi interest in July-September 2024: Will govt hike interest rates of PPF, small savings schemes for next quarter?
PPF, SCSS, Sukanya Samriddhi interest in July-September 2024: The government is likely to announce the interest rates of Public Provident Fund (PPF), Senior Citizen Savings Schemes (SCSS), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Post Office Monthly Income Scheme (POMIS) and other small savings schemes for the July-September quarter 2024 by June 30, 2024. Will the government finally make PPF investors happy this time? Will Centre increase the interest rates of SCSS, NSC, Sukanya Samriddhi Yojana and other other small savings schemes for the July-September quarter 2024? Know what experts suggest
PPF rate may fall below 7% to a 46-year low
Short-term deposit rates are now very close to or even less than what savings bank accounts offer.
New PPF rule: Interest calculation on premature closure of PPF account changed
The Department of Post has made some changes in the premature closure rules of the Public Provident Fund (PPF) account. The Department made this change via a notification dated November 7, 2023.
PPF rules for NRIs: Can non-resident Indians open PPF account in India?
A Public Provident Fund (PPF) is a long-term, small savings scheme offered by the government of India. The PPF offers an attractive interest rate and tax benefits under the Old Tax Regime. The PPF interest rate is 7.1% for this quarter. Interest earned is tax-free under the Income Tax Act 2025.
Sukanya Samriddhi, 3-year post office FD rates hiked up to 20 bps; check latest small savings schemes interest rates
Latest post office schemes interest rates: Here is a look at the interest rates on various small savings schemes for the fourth quarter of FY 2023-24.
Will PPF, NSC and other post office savings scheme see interest rate cuts by Govt?
Interest rates for Post Office small savings schemes like PPF and NSC may be reduced following a Finance Ministry review on September 30, 2025. This potential cut is driven by significant RBI repo rate reductions and declining G-Sec bond yields.
Govt may cut interest rate on PPF, NSC, other small savings schemes next quarter
During the current quarter, the government refrained from cutting interest rates on small savings schemes, such as Public Provident Fund (PPF) and National Savings Certificate (NSC), despite moderating bank deposit rates.
EPF Vs PPF Vs Bank FD: Latest interest rates
The Employees' Provident Fund Organisation (EPFO) lowered the interest rate on EPF deposits to 8.1 percent. The interest rate for small savings schemes such as PPF and SCSS Sukanya Samriddhi Yojana will be announced by the government very shortly.
Not making PPF investment before April 5 can cost this much in interest
PPF deposit before April 5: Investing in PPF account before April 5 can earn the PPF account holder more interest. Making lumpsum investment for the entire year after this date will make a PPF investor to lose a month's interest. Read on to know how much you lose if an individual misses this date.
EPF, PPF interest rate gap widens to 105 basis points: Self-employed class disadvantaged
Even if the EPF rate is cut, the difference would remain substantial thereby disadvantaging the self-employed class in terms of retirement savings.
Are PPF, NSC and other small savings schemes headed for historic low interest rates? Govt to decide next week
PPF, NSC interest rate: The government will review and announce the interest rate of Public Provident Fund, National Savings Certificate and other small savings schemes on June 30, 2025. The announced interest rate will be effective as of July 1, 2025. Will the government cut the interest rate on PPF, NSC and other post office savings schemes?
PPF, Senior Citizen Savings Scheme, Sukanya Samriddhi, NSC, other small savings schemes' rates announced for July-September 2024 quarter
Latest Post Office Schemes interest rates: The government has announced that it will keep the interest rates unchanged for small savings schemes for July-September 2024. These schemes include the Public Provident Fund, Senior Citizen Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Post Office Time Deposits (POTD), Mahila Samman Savings Certificate, and Post Office Monthly Income Scheme (POMIS).
Rs 1.54 crore retirement corpus through PPF: How many years will it take if you invest Rs 1.5 lakh a year?
PPF calculator: Aspiring to build a substantial retirement fund? The Public Provident Fund (PPF) offers a compelling avenue for low-risk investors. By consistently investing the maximum annual limit of Rs 1.5 lakh, individuals starting at age 30 can amass an impressive by age 60.
Is your employer delaying deposit into your NPS? Know how it can impact you
Government departments must remit employee NPS contributions promptly to PFRDA. Delays in crediting NPS contributions will incur interest charges for employees. This interest will match the Public Provident Fund rate applicable at that time. Officials causing administrative delays face liability for pecuniary losses to the government. Departments must report actions taken regarding these NPS contribution remittance rules.
Tax-saving investment: 7.1% interest in PPF or 8.25% returns in VPF; which is a better option to save tax this year?
Tax-saving investment ideas FY23-24: PPF has been a go-to option for traditional investors to save tax while planning for retirement. Is there any other option that offers higher returns, lowers your income tax outgo, and saves money for long-term goals? Yes, Voluntary Provident Fund (VPF). How does it VPF fare when compared to PPF Public Provident Fund (PPF) or Voluntary Provident Fund (VPF) — which is a better option for you to save tax in the financial year 2023-24.
Latest PPF (Public Provident Fund) interest rate for July- September 2024 quarter
Latest PPF interest rate: The Public Provident Fund (PPF) is widely favored as a savings option. The government has recently revealed the interest rates for small savings schemes for the period of July to September 2024. PPF investments are considered risk-free as it is government backed.
Has Govt cut PPF, NSC interest rate after RBI repo rate cut of 1%? Check the latest interest rate of post office schemes announced today
Latest PPF, NSC interest rates: The PPF, NSC, SCSS and other post office schemes interest rates have been announced for the second quarter of FY 2025-26, i.e., between July 1, 2025, and September 30, 2025. Check how much you will earn on your small savings investments going forward.
PPF, NSC, other post office schemes interest rates remain unchanged for March 31, 2022 quarter
What this means is that for the quarter ending March 31, 2022, investors in small savings schemes like the Public Provident Fund (PPF) and Sukanya Samriddhi Yojana will continue to earn the same interest rate as they were earning during the quarter ending December 31, 2021.
PPF interest rate cut to 7.9% but are other investment options better? Here's a comparison
The interest rates of the PPF and other small savings schemes have been cut. Here is a low-down on the other options before investors.
Have interest rates on PPF, NSC, SCSS and other small savings schemes changed for April-June 2026 quarter? Check 5-year rate list
Interest rates for small savings schemes like PPF and NSC remain unchanged for the April-June 2026 quarter. Deposits under Sukanya Samriddhi Scheme will attract 8.2 percent interest. The government prioritizes protecting small savers and encouraging household savings. These rates are determined by G-Sec yields and inflation. The Finance Ministry last changed rates in December 2023.
How RBI's rate hike will impact borrowers and investors
Though borrowers will feel the pinch due to higher interest rates, fixed income investors have reasons to smile. Banks have started increasing their deposit rates, which means higher returns for investors.
PPF, NSC, other post office schemes interest rates remain unchanged for June 30, 2022 quarter
Here is a look at the interest rates on small savings schemes like PPF, NSC, SSY for the first quarter (Apr-June) of FY2022-23.
GPF interest rate for government employees: Has Finance Ministry changed GPF interest rate for April-June 2026 quarter?
The Ministry of Finance has announced the General Provident Fund (GPF) interest rate for the April-June 2026 quarter will remain at 7.1%. This rate applies to GPF, CPF, and other similar government funds. The Public Provident Fund (PPF) and other small savings schemes also retain their interest rates.
Get ready for a hike in PPF, Sukanya Samriddhi Yojana and NSC interest rates
Now that government bond yields have gone up significantly, the government might hike the small savings rates. Whether this hike will be as per the Gopinath committee formula is yet to be seen.
Small saving schemes: Interest rates of these post office schemes hiked by up to 30 bps for July-September quarter
Here is a look at the interest rates on various small savings schemes for the second quarter of FY 2023-24.
No documentary proof for GPF advance, withdrawal
The government has with effect from March 7, 2017, liberalised conditions for taking advance from the GPF for education, illness and purchase of consumer durables.
Public Provident Fund (PPF): Was interest rate changed for April-June 2025 quarter?
The Public Provident Fund (PPF) in India remains a popular long-term investment option with a 15-year lock-in period and EEE tax status. The government has kept the PPF interest rate unchanged at 7.1% for the April-June 2025 quarter. Contributions offer tax benefits and the interest earned is tax-free.
Rs 1.54 crore retirement corpus from PPF investment: How starting PPF investment at 30 can help you build large fund
Investing Rs 1.5 lakh annually in a Public Provident Fund from age 30 can build a tax-free retirement corpus of Rs 1.54 crore by age 60. This popular government-backed scheme offers tax benefits and a 7.1% annual interest rate, compounded yearly, making it ideal for steady wealth creation without market risks.
Will interest rates on SCSS, PPF, SSY and other small savings schemes fall for Jan-March 2026?
The Finance Ministry will review Post Office small savings scheme interest rates by December 31, 2025, for the January-March 2026 quarter. While G-Sec yields suggest potential cuts, experts believe the government may prioritize stability for household savers, especially senior citizens, over formula-based reductions.
NPS 1-year returns in high teens. Should you invest?
A sustained decline in bond yields has pushed up NPS returns. Gilt funds earned 17-20% in past one year.
Can NRIs open a PPF Account? Know the rules, restrictions and closure options
Premature withdrawals are permitted after five years of account opening, subject to specific conditions. Upon maturity, the funds are credited to the NRI's NRO account and are non-repatriable.
Public Provident Fund: Has the interest rate for July-September 2025 been revised?
PPF offers tax benefits under Section 80C, with interest and maturity amounts being tax-free. Resident individuals can open a PPF account with a minimum deposit of Rs 500 and a maximum of Rs 1.5 lakh annually.
Interest rates of PPF, Sukanya Samriddhi Yojana, other post office schemes kept unchanged by govt
As per the ministry circular, for the Oct-Dec quarter, PPF will continue to earn 7.10%, the NSC will fetch 6.8%, and Post Office Monthly Income Scheme Account will earn 6.6%.
Should you close your PPF account after becoming an NRI? Here’s what to know about maturity, withdrawal, and tax rules
Moving abroad as an NRI? Your PPF account might not need immediate closure. Discover how your contribution, withdrawal, and maturity options change. Understand the crucial differences between becoming an NRI and a foreign citizen, and navigate the tax implications in your new country of residence.
Has Govt cut PPF, NSC interest rates after RBI repo rate cut of 1%? Check the latest interest rates of post office schemes announced today
The Finance Ministry maintained interest rates on small savings schemes for Q3 FY2025-26, including Sukanya Samriddhi at 8.2% and 3-year term deposits at 7.1%. This decision, despite the RBI's 100 bps repo rate cuts and softening bond yields, aims to protect savers' earnings, as banks have already reduced FD rates.
Small savings rates hiked: PPF and NSC to give 8%, senior citizens to get 8.7%
This is a welcome relief for fixed income investors as rates have remained unchanged for previous 2 quarters.
PPF, NSC and other post office schemes interest rates remain unchanged
For Q1 of FY 2020-21, the government had slashed rates of small savings schemes by 0.7-1.40%. If the government had cut rates for this quarter as well in the similar fashion, then PPF would have fetched returns below the 7 per cent mark - a 46-year low.
PPF to fetch 7.1%, NSC 6.8% as govt slashes small savings schemes interest rates
Rates of these schemes have been slashed by between 70 bps and 140 bps for the Apr-June quarter.
PPF, NSC and other small savings schemes interest rates kept unchanged for March quarter
For the quarter ending March 2020, small savings schemes such as the Public Provident Fund (PPF), National Savings Certificate (NSC) will continue to fetch same interest rate. PPF will continue to earn 7.9 per cent during the quarter January to March 2020.
Post Office Schemes latest Interest Rates in India for 2023
Post office schemes interest rates: These are popular small savings schemes as they are backed by the central government and the returns here are fixed and guaranteed.
Senior Citizen Savings Scheme, Sukanya Samriddhi, NSC interest rates hiked by up to 70 bps for June 2023 quarter
Here is a look at the interest rates on various small savings schemes for the first quarter of FY 2023-24.
Will PPF, Senior Citizen Savings Scheme, Sukanya Samriddhi, other post office schemes’ interest rates reduce from October, 2024?
The Centre is likely to announce the interest rates of small savings schemes — Public Provident Fund (PPF), Senior Citizen Savings Scheme (SCSS), National Savings Certificate (NSC), Sukanya Samriddhi Yojana (SSY), Post Office Monthly Income Scheme (POMIS) by September 30, 2024. As we are almost towards the end of the rising interest rate cycle, will interest rates of post office schemes start falling soon? Read on to know where the interest rates are going during the October-December quarter of 2024 and what investors should do now.
