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PPF Interest Rate History India (2016-2026)
Track PPF interest rate changes over the years. Current PPF rate and historical trends for retirement planning.
Last updated: 5/16/2026, 3:09:54 AM
Data Points
| Item | Value | Change |
|---|---|---|
| Q4 FY26 | 7.1% p.a. | |
| Q3 FY26 | 7.1% p.a. | |
| Q2 FY26 | 7.1% p.a. | |
| Q1 FY26 | 7.1% p.a. | |
| Q4 FY25 | 7.1% p.a. | |
| Q3 FY25 | 7.1% p.a. | |
| Q2 FY25 | 7.1% p.a. | |
| Q1 FY25 | 7.1% p.a. | |
| FY20-FY24 | 7.1% p.a. | |
| FY19-FY20 | 8% p.a. | |
| FY17-FY19 | 7.9% p.a. | |
| FY16 | 8.7% p.a. |
Key Insights
- 1Current PPF rate: 7.1% p.a. (Tax-free)
- 2PPF rates have declined from 8.7% (2016) to 7.1% (2026)
- 3PPF offers EEE tax benefit: Exempt at investment, growth, and withdrawal
- 4Lock-in period: 15 years, partial withdrawal allowed from 7th year
Methodology
Rates announced by Ministry of Finance at the start of each quarter. PPF interest is compounded annually.
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