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

Latest PPF interest rate in 2025: What is the Public Provident Fund interest rate for January – March 2025? The government has kept the small savings schemes interest rates unchanged

The government revises the interest rates of all small savings schemes every quarter. For this quarter, January – March 2025, the government has kept the interest rates unchanged. 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. It gives investors a good opportunity to accumulate a long-term corpus by making regular, small investments over time.

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What is the PPF interest rate for January – March 2025?

Savings in Public Provident Fund (PPF) will continue to attract an interest rate of 7.1% in January – March 2025.

"The rate of interest on various Small Savings Schemes for the fourth quarter of FY 2024-25 starting from 1st January, 2025 and ending on 31st March, 2025 shall remain unchanged from those notified for the third quarter (1st October, 2024 to 31st December, 2024) of FY 2024-25," the Department of Economic Affairs, Finance Ministry, said in a press release dated December 31, 2024.

How to open a PPF account?
An individual can open only one PPF account either in a post office or in a bank. However an individual can also open one PPF account on behalf of each minor or a person of unsound mind of whom he is the guardian.

PPF interest rate calculation

According to the PNB website, “For any given month, investments made on or before the 5th will be considered for interest calculations for that month. Interest is calculated on the lower of the balance held on the 5th of a month to the end of the month.”

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PPF taxation
Your PPF investments up to Rs. 1,50,000 are tax deductible under Section 80C of the Income Tax Act. The returns on your PPF account are also tax-free, making it one of the most tax-efficient investments.

Important FAQs related to PPF

Here are some frequently asked questions about PPF accounts, according to the website of Punjab National Bank.

Can a person continue to earn returns on PPF account if the account is inactive?

Yes. the balance in a discontinued account not revived by the account holder before its maturity shall continue to earn interest at the rate applicable to the scheme from time to time.

Can one continue to earn interest on a PPF account if one extends the maturity period beyond 15 years?

Yes. Interest on a PPF account will be calculated and paid based on the interest rates prevailing during the period of extension. If no fresh deposits are made during the period of extension, interest will be calculated based on the balance held at the end of the 15th year. If fresh deposits are made to extend the term, it will be added to the balance at the end of the 15th year and the total amount will be treated as principal for interest calculations.

Is it possible for a subscriber whose account has matured and who has not extended to open a new PPF account?

No, since the facility of extension for further block periods of 5 years has been provided in the scheme, the subscriber should extend the PPF account instead of opening a new PPF account.