Depositing ₹60,000 a year (₹5,000 a month) in PPF for 15 years at the current 7.1% rate builds a tax-free maturity of about ₹16,27,284. You deposit ₹9,00,000 in total and earn ₹7,27,284 of interest.
PPF maturity on ₹60,000 a year after 15 years (7.1%)
₹16,27,284
- You deposit
- ₹9,00,000
- Interest earned
- ₹7,27,284
- After 25 years
- ₹41,23,206
PPF on ₹60,000 a year with extensions
| Years | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹9,00,000 | ₹7,27,284 | ₹16,27,284 |
| 20 years | ₹12,00,000 | ₹14,63,315 | ₹26,63,315 |
| 25 years | ₹15,00,000 | ₹26,23,206 | ₹41,23,206 |
| 30 years | ₹18,00,000 | ₹43,80,364 | ₹61,80,364 |
| 35 years | ₹21,00,000 | ₹69,79,143 | ₹90,79,143 |
If the PPF rate changes
| Rate | Maturity after 15 years | Interest |
|---|---|---|
| 6.5% | ₹15,45,241 | ₹6,45,241 |
| 7.1% | ₹16,27,284 | ₹7,27,284 |
| 7.5% | ₹16,84,635 | ₹7,84,635 |
| 8% | ₹17,59,457 | ₹8,59,457 |
Year-by-year PPF balance
| Deposited so far | Interest so far | Balance | |
|---|---|---|---|
| Year 1 | ₹60,000 | ₹4,260 | ₹64,260 |
| Year 2 | ₹1,20,000 | ₹13,082 | ₹1,33,082 |
| Year 3 | ₹1,80,000 | ₹26,791 | ₹2,06,791 |
| Year 4 | ₹2,40,000 | ₹45,733 | ₹2,85,733 |
| Year 5 | ₹3,00,000 | ₹70,281 | ₹3,70,281 |
| Year 6 | ₹3,60,000 | ₹1,00,830 | ₹4,60,830 |
| Year 7 | ₹4,20,000 | ₹1,37,809 | ₹5,57,809 |
| Year 8 | ₹4,80,000 | ₹1,81,674 | ₹6,61,674 |
| Year 9 | ₹5,40,000 | ₹2,32,913 | ₹7,72,913 |
| Year 10 | ₹6,00,000 | ₹2,92,050 | ₹8,92,050 |
| Year 11 | ₹6,60,000 | ₹3,59,645 | ₹10,19,645 |
| Year 12 | ₹7,20,000 | ₹4,36,300 | ₹11,56,300 |
| Year 13 | ₹7,80,000 | ₹5,22,657 | ₹13,02,657 |
| Year 14 | ₹8,40,000 | ₹6,19,406 | ₹14,59,406 |
| Year 15 | ₹9,00,000 | ₹7,27,284 | ₹16,27,284 |
Compare nearby amounts
| Yearly deposit | After 15 years | After 25 years |
|---|---|---|
| ₹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 |
| ₹1 lakh a year | ₹27,12,139 | ₹68,72,010 |
| ₹1.2 lakh a year | ₹32,54,567 | ₹82,46,412 |
Change the numbers
Frequently asked questions
What is the PPF maturity on ₹60,000 a year after 15 years?
About ₹16,27,284 at 7.1%, from deposits of ₹9,00,000. The whole amount is tax-free.
How much will ₹60,000 a year in PPF be worth after 25 years?
About ₹41,23,206 if you extend twice and keep depositing ₹60,000 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