Depositing ₹36,000 a year (₹3,000 a month) in PPF for 15 years at the current 7.1% rate builds a tax-free maturity of about ₹9,76,370. You deposit ₹5,40,000 in total and earn ₹4,36,370 of interest.
PPF maturity on ₹36,000 a year after 15 years (7.1%)
₹9,76,370
- You deposit
- ₹5,40,000
- Interest earned
- ₹4,36,370
- After 25 years
- ₹24,73,924
PPF on ₹36,000 a year with extensions
| Years | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹5,40,000 | ₹4,36,370 | ₹9,76,370 |
| 20 years | ₹7,20,000 | ₹8,77,989 | ₹15,97,989 |
| 25 years | ₹9,00,000 | ₹15,73,924 | ₹24,73,924 |
| 30 years | ₹10,80,000 | ₹26,28,219 | ₹37,08,219 |
| 35 years | ₹12,60,000 | ₹41,87,486 | ₹54,47,486 |
If the PPF rate changes
| Rate | Maturity after 15 years | Interest |
|---|---|---|
| 6.5% | ₹9,27,144 | ₹3,87,144 |
| 7.1% | ₹9,76,370 | ₹4,36,370 |
| 7.5% | ₹10,10,781 | ₹4,70,781 |
| 8% | ₹10,55,674 | ₹5,15,674 |
Year-by-year PPF balance
| Deposited so far | Interest so far | Balance | |
|---|---|---|---|
| Year 1 | ₹36,000 | ₹2,556 | ₹38,556 |
| Year 2 | ₹72,000 | ₹7,849 | ₹79,849 |
| Year 3 | ₹1,08,000 | ₹16,075 | ₹1,24,075 |
| Year 4 | ₹1,44,000 | ₹27,440 | ₹1,71,440 |
| Year 5 | ₹1,80,000 | ₹42,168 | ₹2,22,168 |
| Year 6 | ₹2,16,000 | ₹60,498 | ₹2,76,498 |
| Year 7 | ₹2,52,000 | ₹82,686 | ₹3,34,686 |
| Year 8 | ₹2,88,000 | ₹1,09,004 | ₹3,97,004 |
| Year 9 | ₹3,24,000 | ₹1,39,748 | ₹4,63,748 |
| Year 10 | ₹3,60,000 | ₹1,75,230 | ₹5,35,230 |
| Year 11 | ₹3,96,000 | ₹2,15,787 | ₹6,11,787 |
| Year 12 | ₹4,32,000 | ₹2,61,780 | ₹6,93,780 |
| Year 13 | ₹4,68,000 | ₹3,13,594 | ₹7,81,594 |
| Year 14 | ₹5,04,000 | ₹3,71,644 | ₹8,75,644 |
| Year 15 | ₹5,40,000 | ₹4,36,370 | ₹9,76,370 |
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 |
| ₹75,000 a year | ₹20,34,105 | ₹51,54,007 |
Change the numbers
Frequently asked questions
What is the PPF maturity on ₹36,000 a year after 15 years?
About ₹9,76,370 at 7.1%, from deposits of ₹5,40,000. The whole amount is tax-free.
How much will ₹36,000 a year in PPF be worth after 25 years?
About ₹24,73,924 if you extend twice and keep depositing ₹36,000 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