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15-year lock-in, extendable in 5-year blocks. The rate is set quarterly by the government; 7.1% is the full PPF page's default.
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Calculators and illustrations, not investment advice or a guarantee. Returns and rates are your assumptions; results are ranges to plan with, not promises. Income tax uses FY2025-26 (AY2026-27) rules as summarised; check with a tax professional for your case.