Depositing ₹12,000 a year (₹1,000 a month) in PPF for 15 years at the current 7.1% rate builds a tax-free maturity of about ₹3,25,457. You deposit ₹1,80,000 in total and earn ₹1,45,457 of interest.
PPF maturity on ₹12,000 a year after 15 years (7.1%)
₹3,25,457
- You deposit
- ₹1,80,000
- Interest earned
- ₹1,45,457
- After 25 years
- ₹8,24,641
PPF on ₹12,000 a year with extensions
| Years | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹1,80,000 | ₹1,45,457 | ₹3,25,457 |
| 20 years | ₹2,40,000 | ₹2,92,663 | ₹5,32,663 |
| 25 years | ₹3,00,000 | ₹5,24,641 | ₹8,24,641 |
| 30 years | ₹3,60,000 | ₹8,76,073 | ₹12,36,073 |
| 35 years | ₹4,20,000 | ₹13,95,829 | ₹18,15,829 |
If the PPF rate changes
| Rate | Maturity after 15 years | Interest |
|---|---|---|
| 6.5% | ₹3,09,048 | ₹1,29,048 |
| 7.1% | ₹3,25,457 | ₹1,45,457 |
| 7.5% | ₹3,36,927 | ₹1,56,927 |
| 8% | ₹3,51,891 | ₹1,71,891 |
Year-by-year PPF balance
| Deposited so far | Interest so far | Balance | |
|---|---|---|---|
| Year 1 | ₹12,000 | ₹852 | ₹12,852 |
| Year 2 | ₹24,000 | ₹2,616 | ₹26,616 |
| Year 3 | ₹36,000 | ₹5,358 | ₹41,358 |
| Year 4 | ₹48,000 | ₹9,147 | ₹57,147 |
| Year 5 | ₹60,000 | ₹14,056 | ₹74,056 |
| Year 6 | ₹72,000 | ₹20,166 | ₹92,166 |
| Year 7 | ₹84,000 | ₹27,562 | ₹1,11,562 |
| Year 8 | ₹96,000 | ₹36,335 | ₹1,32,335 |
| Year 9 | ₹1,08,000 | ₹46,583 | ₹1,54,583 |
| Year 10 | ₹1,20,000 | ₹58,410 | ₹1,78,410 |
| Year 11 | ₹1,32,000 | ₹71,929 | ₹2,03,929 |
| Year 12 | ₹1,44,000 | ₹87,260 | ₹2,31,260 |
| Year 13 | ₹1,56,000 | ₹1,04,531 | ₹2,60,531 |
| Year 14 | ₹1,68,000 | ₹1,23,881 | ₹2,91,881 |
| Year 15 | ₹1,80,000 | ₹1,45,457 | ₹3,25,457 |
Compare nearby amounts
| Yearly deposit | After 15 years | After 25 years |
|---|---|---|
| ₹12,000 a year | ₹3,25,457 | ₹8,24,641 |
| ₹24,000 a year | ₹6,50,913 | ₹16,49,282 |
| ₹36,000 a year | ₹9,76,370 | ₹24,73,924 |
| ₹50,000 a year | ₹13,56,070 | ₹34,36,005 |
Change the numbers
Frequently asked questions
What is the PPF maturity on ₹12,000 a year after 15 years?
About ₹3,25,457 at 7.1%, from deposits of ₹1,80,000. The whole amount is tax-free.
How much will ₹12,000 a year in PPF be worth after 25 years?
About ₹8,24,641 if you extend twice and keep depositing ₹12,000 a year at 7.1%.
Is PPF interest tax-free?
Yes. PPF is in the exempt-exempt-exempt category: interest and maturity are tax-free, and under the old regime deposits up to ₹1.5 lakh also count for Section 80C. The new regime gives no 80C deduction, but the interest stays tax-free.
PPF rate 7.1% for October to December 2026; the government reviews it every quarter. PPF interest and maturity are tax-free. An estimate. Related: All PPF amounts · PPF calculator · SIP returns · Sukanya Samriddhi calculator