PPF Investment Summary
| Annual Contribution | ₹6,000 |
| Monthly Equivalent | ₹500/month |
| PPF Interest Rate | 7.1% p.a. (current rate) |
| Investment Period | 10 years |
| Total Amount Invested | ₹60,000 |
| Interest Earned (Tax-Free) | ₹29,205 |
| Maturity Corpus | ₹89,205 |
Tax Benefit: You also save up to ₹1,872 per year in income tax (at 30% + 4% cess) via 80C deduction on PPF contributions. Over 10 years, that's ₹18,720 in total tax savings.
Year-by-Year PPF Growth
| Year | Annual Deposit | Total Deposited | Interest Earned | Balance |
|---|---|---|---|---|
| Year 1 | ₹6,000 | ₹6,000 | ₹426 | ₹6,426 |
| Year 2 | ₹6,000 | ₹12,000 | ₹1,308 | ₹13,308 |
| Year 3 | ₹6,000 | ₹18,000 | ₹2,679 | ₹20,679 |
| Year 4 | ₹6,000 | ₹24,000 | ₹4,573 | ₹28,573 |
| Year 5 | ₹6,000 | ₹30,000 | ₹7,028 | ₹37,028 |
| Year 8 | ₹6,000 | ₹48,000 | ₹18,167 | ₹66,167 |
| Year 9 | ₹6,000 | ₹54,000 | ₹23,291 | ₹77,291 |
| Year 10 | ₹6,000 | ₹60,000 | ₹29,205 | ₹89,205 |
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 | ₹5,00,000 | ₹2,43,375 | ₹7,43,375 |
| ₹75,000/year | ₹7,50,000 | ₹3,65,062 | ₹11,15,062 |
| ₹1,00,000/year | ₹10,00,000 | ₹4,86,749 | ₹14,86,749 |
| ₹1,50,000/year | ₹15,00,000 | ₹7,30,124 | ₹22,30,124 |
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 ₹₹6,000/year for 10 years?
At the current PPF rate of 7.1%, investing ₹₹6,000 per year for 10 years gives a maturity corpus of ₹89,205. Total investment is ₹60,000, and you earn ₹29,205 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.