Depositing ₹24,000 a year (₹2,000 a month) in PPF for 15 years at the current 7.1% rate builds a tax-free maturity of about ₹6,50,913. You deposit ₹3,60,000 in total and earn ₹2,90,913 of interest.
PPF maturity on ₹24,000 a year after 15 years (7.1%)
₹6,50,913
- You deposit
- ₹3,60,000
- Interest earned
- ₹2,90,913
- After 25 years
- ₹16,49,282
PPF on ₹24,000 a year with extensions
| Years | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹3,60,000 | ₹2,90,913 | ₹6,50,913 |
| 20 years | ₹4,80,000 | ₹5,85,326 | ₹10,65,326 |
| 25 years | ₹6,00,000 | ₹10,49,282 | ₹16,49,282 |
| 30 years | ₹7,20,000 | ₹17,52,146 | ₹24,72,146 |
| 35 years | ₹8,40,000 | ₹27,91,657 | ₹36,31,657 |
If the PPF rate changes
| Rate | Maturity after 15 years | Interest |
|---|---|---|
| 6.5% | ₹6,18,096 | ₹2,58,096 |
| 7.1% | ₹6,50,913 | ₹2,90,913 |
| 7.5% | ₹6,73,854 | ₹3,13,854 |
| 8% | ₹7,03,783 | ₹3,43,783 |
Year-by-year PPF balance
| Deposited so far | Interest so far | Balance | |
|---|---|---|---|
| Year 1 | ₹24,000 | ₹1,704 | ₹25,704 |
| Year 2 | ₹48,000 | ₹5,233 | ₹53,233 |
| Year 3 | ₹72,000 | ₹10,717 | ₹82,717 |
| Year 4 | ₹96,000 | ₹18,293 | ₹1,14,293 |
| Year 5 | ₹1,20,000 | ₹28,112 | ₹1,48,112 |
| Year 6 | ₹1,44,000 | ₹40,332 | ₹1,84,332 |
| Year 7 | ₹1,68,000 | ₹55,124 | ₹2,23,124 |
| Year 8 | ₹1,92,000 | ₹72,670 | ₹2,64,670 |
| Year 9 | ₹2,16,000 | ₹93,165 | ₹3,09,165 |
| Year 10 | ₹2,40,000 | ₹1,16,820 | ₹3,56,820 |
| Year 11 | ₹2,64,000 | ₹1,43,858 | ₹4,07,858 |
| Year 12 | ₹2,88,000 | ₹1,74,520 | ₹4,62,520 |
| Year 13 | ₹3,12,000 | ₹2,09,063 | ₹5,21,063 |
| Year 14 | ₹3,36,000 | ₹2,47,762 | ₹5,83,762 |
| Year 15 | ₹3,60,000 | ₹2,90,913 | ₹6,50,913 |
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 |
| ₹60,000 a year | ₹16,27,284 | ₹41,23,206 |
Change the numbers
Frequently asked questions
What is the PPF maturity on ₹24,000 a year after 15 years?
About ₹6,50,913 at 7.1%, from deposits of ₹3,60,000. The whole amount is tax-free.
How much will ₹24,000 a year in PPF be worth after 25 years?
About ₹16,49,282 if you extend twice and keep depositing ₹24,000 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