Depositing ₹75,000 a year (₹6,250 a month) in PPF for 15 years at the current 7.1% rate builds a tax-free maturity of about ₹20,34,105. You deposit ₹11,25,000 in total and earn ₹9,09,105 of interest.
PPF maturity on ₹75,000 a year after 15 years (7.1%)
₹20,34,105
- You deposit
- ₹11,25,000
- Interest earned
- ₹9,09,105
- After 25 years
- ₹51,54,007
PPF on ₹75,000 a year with extensions
| Years | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹11,25,000 | ₹9,09,105 | ₹20,34,105 |
| 20 years | ₹15,00,000 | ₹18,29,144 | ₹33,29,144 |
| 25 years | ₹18,75,000 | ₹32,79,007 | ₹51,54,007 |
| 30 years | ₹22,50,000 | ₹54,75,455 | ₹77,25,455 |
| 35 years | ₹26,25,000 | ₹87,23,929 | ₹1,13,48,929 |
If the PPF rate changes
| Rate | Maturity after 15 years | Interest |
|---|---|---|
| 6.5% | ₹19,31,551 | ₹8,06,551 |
| 7.1% | ₹20,34,105 | ₹9,09,105 |
| 7.5% | ₹21,05,793 | ₹9,80,793 |
| 8% | ₹21,99,321 | ₹10,74,321 |
Year-by-year PPF balance
| Deposited so far | Interest so far | Balance | |
|---|---|---|---|
| Year 1 | ₹75,000 | ₹5,325 | ₹80,325 |
| Year 2 | ₹1,50,000 | ₹16,353 | ₹1,66,353 |
| Year 3 | ₹2,25,000 | ₹33,489 | ₹2,58,489 |
| Year 4 | ₹3,00,000 | ₹57,167 | ₹3,57,167 |
| Year 5 | ₹3,75,000 | ₹87,851 | ₹4,62,851 |
| Year 6 | ₹4,50,000 | ₹1,26,038 | ₹5,76,038 |
| Year 7 | ₹5,25,000 | ₹1,72,262 | ₹6,97,262 |
| Year 8 | ₹6,00,000 | ₹2,27,092 | ₹8,27,092 |
| Year 9 | ₹6,75,000 | ₹2,91,141 | ₹9,66,141 |
| Year 10 | ₹7,50,000 | ₹3,65,062 | ₹11,15,062 |
| Year 11 | ₹8,25,000 | ₹4,49,556 | ₹12,74,556 |
| Year 12 | ₹9,00,000 | ₹5,45,375 | ₹14,45,375 |
| Year 13 | ₹9,75,000 | ₹6,53,322 | ₹16,28,322 |
| Year 14 | ₹10,50,000 | ₹7,74,257 | ₹18,24,257 |
| Year 15 | ₹11,25,000 | ₹9,09,105 | ₹20,34,105 |
Compare nearby amounts
| Yearly deposit | After 15 years | After 25 years |
|---|---|---|
| ₹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 |
| ₹1.5 lakh a year | ₹40,68,209 | ₹1,03,08,015 |
Change the numbers
Frequently asked questions
What is the PPF maturity on ₹75,000 a year after 15 years?
About ₹20,34,105 at 7.1%, from deposits of ₹11,25,000. The whole amount is tax-free.
How much will ₹75,000 a year in PPF be worth after 25 years?
About ₹51,54,007 if you extend twice and keep depositing ₹75,000 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