​PPF interest rate 2026: Has the government revised interest for April-June quarter?​

The government has announced interest rates for small savings schemes for the April–June 2026 quarter. However, the latest notification from the Finance Ministry confirms that the PPF interest rate remains unchanged, despite expectations of a revision.

According to the Finance Ministry, interest rates for all small savings schemes for Q1 FY 2026–27 (April 1 to June 30, 2026) will remain the same as those notified for the fourth quarter (January 1–March 31, 2026) of FY 2025-26.

The PPF interest rate stands at 7.1% per annum for the April–June 2026 quarter. The interest is credited to the account at the end of each financial year.

The table above shows the PPF interest rate trend over the last 10 years, helping investors understand long-term returns.

PPF is backed by the central government and follows the EEE (Exempt, Exempt, Exempt) tax structure:
● Investment qualifies for tax deduction (up to ₹1.5 lakh per financial year under the old regime)
● Interest earned is tax-free
● Maturity proceeds are fully tax-free

A PPF account can be closed after 5 years, but only under specific conditions, such as:
● Life-threatening illness of the account holder, spouse, or dependent children
● Higher education needs
● Change in residential status (i.e., became NRI)In such cases, the interest rate is reduced by 1% from the applicable rate.

Partial withdrawals are allowed after 5 years. The withdrawal amount is capped at 50% of the lower of:
● Balance at the end of the 4th year before the withdrawal year
● Balance at the end of the previous year