PPF Investment Summary
| Annual Contribution | ₹1,50,000 |
| Monthly Equivalent | ₹12,500/month |
| PPF Interest Rate | 7.1% p.a. (current rate) |
| Investment Period | 15 years |
| Total Amount Invested | ₹22,50,000 |
| Interest Earned (Tax-Free) | ₹18,18,209 |
| Maturity Corpus | ₹40,68,209 |
Tax Benefit: You also save up to ₹46,800 per year in income tax (at 30% + 4% cess) via 80C deduction on PPF contributions. Over 15 years, that's ₹7,02,000 in total tax savings.
Year-by-Year PPF Growth
| Year | Annual Deposit | Total Deposited | Interest Earned | Balance |
|---|---|---|---|---|
| Year 1 | ₹1,50,000 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| Year 2 | ₹1,50,000 | ₹3,00,000 | ₹32,706 | ₹3,32,706 |
| Year 3 | ₹1,50,000 | ₹4,50,000 | ₹66,978 | ₹5,16,978 |
| Year 4 | ₹1,50,000 | ₹6,00,000 | ₹1,14,334 | ₹7,14,334 |
| Year 5 | ₹1,50,000 | ₹7,50,000 | ₹1,75,701 | ₹9,25,701 |
| Year 7 | ₹1,50,000 | ₹10,50,000 | ₹3,44,524 | ₹13,94,524 |
| Year 13 | ₹1,50,000 | ₹19,50,000 | ₹13,06,643 | ₹32,56,643 |
| Year 14 | ₹1,50,000 | ₹21,00,000 | ₹15,48,515 | ₹36,48,515 |
| Year 15 | ₹1,50,000 | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
Compare Different Contribution Amounts
How much does contributing more each year change your PPF maturity?
| Annual Contribution | Total Invested | Interest Earned | Maturity Amount |
|---|---|---|---|
| ₹50,000/year | ₹7,50,000 | ₹6,06,070 | ₹13,56,070 |
| ₹75,000/year | ₹11,25,000 | ₹9,09,105 | ₹20,34,105 |
| ₹1,00,000/year | ₹15,00,000 | ₹12,12,139 | ₹27,12,139 |
| ₹1,50,000/year | ₹22,50,000 | ₹18,18,209 | ₹40,68,209 |
Calculate Your PPF Returns
Enter your exact annual contribution and check projected maturity value.
Use PPF CalculatorFrequently Asked Questions
How much will PPF give if I invest ₹1.5 Lakh/year for 15 years?
At the current PPF rate of 7.1%, investing ₹1.5 Lakh per year for 15 years gives a maturity corpus of ₹40,68,209. Total investment is ₹22,50,000, and you earn ₹18,18,209 in tax-free interest.
Is PPF interest completely tax-free?
Yes. PPF falls under EEE (Exempt-Exempt-Exempt) tax status: contributions qualify for 80C deduction (up to ₹1.5L/year), interest earned is fully tax-free, and the maturity amount is also tax-free. This makes PPF one of the most tax-efficient savings instruments in India.
Can I withdraw PPF before 15 years?
Partial withdrawal is allowed from Year 7 onwards — up to 50% of the balance at end of Year 4 or Year 6 (whichever is lower). Full premature closure is allowed only after 5 years for specific reasons (serious illness, higher education). Otherwise PPF locks in for the full 15-year tenure.
Should I invest in PPF or ELSS for tax saving?
PPF gives guaranteed 7.1% tax-free returns with zero market risk. ELSS (equity mutual funds) can give 12–15% returns but with market volatility. For risk-averse investors or those prioritising capital preservation, PPF is excellent. For wealth creation over 10+ years with some risk tolerance, ELSS tends to outperform.
Can I deposit more than ₹1.5 lakh in PPF?
No. The maximum annual PPF contribution is ₹1,50,000. Amounts above this do not earn interest and are not eligible for 80C deduction. The minimum annual deposit is ₹500. You can make deposits in up to 12 instalments per financial year.