PPF Interest Rate Calculator — Historical Rate Comparison
See PPF interest rate history from 1968 to 2026. Calculate how your PPF account has grown with actual historical rates over different periods.
PPF interest rates have varied significantly over the decades: from a peak of 12% in the 1990s to the current 7.1% in 2026. Despite the declining trend PPF remains one of the best risk-free investments in India because the interest is completely tax-free. A Rs 1.5 lakh annual contribution from 2010 to 2025 at varying historical rates would have grown to approximately Rs 38-40 lakh.
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PPF Calculator
Key Information
| Parameter | Details |
|---|---|
| Current PPF Rate (2026) | 7.1% per annum |
| Rate in 2000 | 11% |
| Rate in 2010 | 8% |
| Lowest Ever Rate | 7.1% (since April 2020) |
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Use Calculator NowFrequently Asked Questions
Has PPF rate ever been higher than 10%?
Yes PPF rates were above 10% for most of the 1990s reaching 12% from 1999-2000. Rates have steadily declined as the overall interest rate environment in India has fallen. Despite the current 7.1% being the historical low PPF still offers the best risk-free tax-free return available to Indian investors.
Is 7.1% PPF rate good enough?
Compared to alternatives: bank FD gives 6.5-7.5% but is taxable (effective 4.5-5.25% in 30% bracket). Debt mutual funds give 6-8% with LTCG at 12.5%. PPF at 7.1% tax-free is equivalent to a 10.1% pre-tax return for someone in the 30% bracket. This makes PPF still one of the best fixed-income options available.
Will PPF interest rate increase?
PPF rates are reviewed quarterly by the government based on 10-year government bond yields. If bond yields rise PPF rates may increase. However the long-term trend has been downward as India monetary policy matures. Most financial planners recommend investing in PPF regardless of rate changes because the tax-free compounding benefit outweighs rate fluctuations.
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Last updated: March 2026