Question
Is PPF a good retirement tool and what is the maturity?
Answer
Bottom line: PPF is a safe, tax-free retirement builder earning 7.1% for the July–September 2026 quarter.
1. Rate and tenure
7.1% for the current quarter, with a 15-year lock-in extendable in 5-year blocks.
2. Tax
Fully tax-free (EEE), ideal for a low-risk retirement corpus.
3. Limit
₹1.5 lakh a year.
Estimate your maturity with our PPF Calculator.
This answer is general information based on the law as it stood when written and is not professional advice on your specific situation. Verify the current position and consult a qualified professional before acting. See our disclaimer.