PPF Interest Rate Oct-Dec 2026: 7.1%, Rules, Limits
📌Quick Facts & Summary
Key Benefit
7.1% a year for Oct to Dec 2026.
Who Can Apply
Any resident Indian individual (one account per person; a guardian can open for a minor).
Status / Deadline
No issues found. Facts checked 15 Oct 2026.
Official Portal
Helpline
India Post 1800-266-6868
Last Verified
15 October 2026
🔗 Important Action Links (Official Portals):
What is the Scheme?
A 15-year, government-backed savings account with tax-free interest.
Also known as: PPF account
Who is it for?
Any resident Indian individual (one account per person; a guardian can open for a minor).
Benefits and Financial Assistance
| # | Key Benefit / Entitlement Details | Category / Mode |
|---|---|---|
| 1 | 7.1% a year for Oct to Dec 2026. | Primary Benefit (DBT/Subsidy) |
| 2 | Deposit Rs 500 to Rs 1.5 lakh a year. | Direct Support |
| 3 | Tax-free interest and maturity (EEE in old regime). | Direct Support |
| 4 | Loan and partial withdrawal facilities after set years. | Direct Support |
Eligibility Criteria
Applicants must meet the following eligibility conditions:
- Resident Indian. NRIs cannot open new accounts.
Documents Needed
Keep the following documents ready before submitting your application:
- ✓ Form
- ✓ Aadhaar, PAN
- ✓ Photo
How to Apply Online (Step-by-Step)
- Open via net banking with many banks.
How to Apply Offline
- Open at a post office or bank branch.
How to Check Application / Payment Status
- Passbook or bank app.
Official Website and Helpline Numbers
| Official Portal | https://www.indiapost.gov.in ↗ |
|---|---|
| Helpline / Contact | India Post 1800-266-6868 |
| Nodal Ministry | Department of Economic Affairs, Ministry of Finance |
Important Dates & Milestones
Rate for 1 Oct to 31 Dec 2026: 7.1%. Checked 15 Oct 2026.
Frequently Asked Questions (FAQs)
❓ PPF rate now?
7.1% for Oct to Dec 2026.
❓ Can I extend after 15 years?
Yes, in 5-year blocks.
❓ Minimum deposit?
Rs 500 a year.
❓ Can I have two PPF accounts?
No.
Sources & Official References
All facts on this page were verified on 15 October 2026 from the following official government sources:
- NSI site: https://www.nsiindia.gov.in/ [resolves (HTTP 200)] ↗
- DEA small savings rates: http://dea.gov.in/budget-division/475 [blocked our server check (HTTP 000), likely IP/geo filtering; link taken from official search results, open it from India to confirm] ↗
- ET: rates Oct-Dec 2026: https://economictimes.indiatimes.com/wealth/invest/ppf-scss-nsc-mis-other-small-savings-scheme-interest-rates-for-october-december-2026/slideshow/134654544.cms?from=mdr [resolves (HTTP 200)] ↗
Fact-Check Verification: This scheme entry was reviewed and fact-checked by Abhishek (govtschemes.net) using official PIB releases, ministry guidelines, and gazette records.
If you notice any outdated rule or change, please report a correction.
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