PPF Interest Rate 2025: The interest rates on Public Provident Fund are revised on a quarterly basis. In such a situation, the government has also announced the interest rates for the July-September 2025 quarter.
Public Provident Fund Interest rate 2025: Public Provident Fund (PPF) scheme is very famous for retirement planning in the country. This scheme is known for tax exemption and excellent returns. The interest rates on Public Provident Fund are revised on a quarterly basis. In such a situation, the government has also announced the interest rates for the July-September 2025 quarter.
The central government said in an order on June 30 that this time there has been no change in the interest rates on PPF, National Savings Certificate, Senior Citizen Savings Scheme (SCSS) and other small savings schemes. Let us know at what percentage of annual interest investors are getting on PPF for the current quarter.
PPF interest rate for July-September quarter
According to the order issued by the Ministry of Finance, Public Provident Fund (PPF) will get interest at the rate of 7.1 percent for July-September 2025. This rate has been stable since April 2020. Despite the fall in bond yields in recent months, the government has not revised it, which is a big relief for investors. It is calculated on the minimum balance from the 5th of every month to the last date of the month. That is, if you deposit money in the PPF account before the 5th of every month, you will get interest for the entire month.
The scheme is completely tax free
The most special thing about this government savings scheme is that there is no tax on the money invested in it, the interest received on it and the amount received at the time of maturity. Under Section 80C of the Income Tax Act, you can claim tax exemption on deposits up to Rs 1.5 lakh every year. In such a situation, this is a great option for investors who want the benefit of tax deduction along with safe investment. However, you will get the benefit of tax deduction under Section 80C of the Income Tax Department only under the old tax system.
You can start investing from Rs. 500
Let us tell you that a minimum of Rs. 500 and a maximum of Rs. 1.5 lakh can be invested in a PPF account every year. This account is opened in post offices or centralized banks. However, this facility is also available in some selected banks like HDFC Bank and ICICI Bank. The Public Provident Fund account matures in 15 years, but you can continue it further in blocks of 5-5.
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