PPF Investment Summary
| Annual Contribution | ₹60,000 |
| Monthly Equivalent | ₹5,000/month |
| PPF Interest Rate | 7.1% p.a. (current rate) |
| Investment Period | 15 years |
| Total Amount Invested | ₹9,00,000 |
| Interest Earned (Tax-Free) | ₹7,27,284 |
| Maturity Corpus | ₹16,27,284 |
Tax Benefit: You also save up to ₹18,720 per year in income tax (at 30% + 4% cess) via 80C deduction on PPF contributions. Over 15 years, that's ₹2,80,800 in total tax savings.
Year-by-Year PPF Growth
| Year | Annual Deposit | Total Deposited | Interest Earned | Balance |
|---|---|---|---|---|
| Year 1 | ₹60,000 | ₹60,000 | ₹4,260 | ₹64,260 |
| Year 2 | ₹60,000 | ₹1,20,000 | ₹13,082 | ₹1,33,082 |
| Year 3 | ₹60,000 | ₹1,80,000 | ₹26,791 | ₹2,06,791 |
| Year 4 | ₹60,000 | ₹2,40,000 | ₹45,733 | ₹2,85,733 |
| Year 5 | ₹60,000 | ₹3,00,000 | ₹70,281 | ₹3,70,281 |
| Year 7 | ₹60,000 | ₹4,20,000 | ₹1,37,809 | ₹5,57,809 |
| Year 13 | ₹60,000 | ₹7,80,000 | ₹5,22,657 | ₹13,02,657 |
| Year 14 | ₹60,000 | ₹8,40,000 | ₹6,19,406 | ₹14,59,406 |
| Year 15 | ₹60,000 | ₹9,00,000 | ₹7,27,284 | ₹16,27,284 |
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 ₹60,000/year for 15 years?
At the current PPF rate of 7.1%, investing ₹60,000 per year for 15 years gives a maturity corpus of ₹16,27,284. Total investment is ₹9,00,000, and you earn ₹7,27,284 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.