PPF maturity for every deposit
What a yearly PPF deposit grows to after 15 years, and with 5-year extensions — all of it tax-free.
Use your own deposit| Deposit | Per month | You put in (15 yrs) | 15 years | 20 years | 25 years |
|---|---|---|---|---|---|
| ₹12,000 / yr | ₹1,000 | ₹1.8 L | ₹3.25 L | ₹5.33 L | ₹8.25 L |
| ₹24,000 / yr | ₹2,000 | ₹3.6 L | ₹6.51 L | ₹10.65 L | ₹16.49 L |
| ₹36,000 / yr | ₹3,000 | ₹5.4 L | ₹9.76 L | ₹15.98 L | ₹24.74 L |
| ₹50,000 / yr | ₹4,167 | ₹7.5 L | ₹13.56 L | ₹22.19 L | ₹34.36 L |
| ₹60,000 / yr | ₹5,000 | ₹9 L | ₹16.27 L | ₹26.63 L | ₹41.23 L |
| ₹1 lakh / yr | ₹8,333 | ₹15 L | ₹27.12 L | ₹44.39 L | ₹68.72 L |
| ₹1.2 lakh / yr | ₹10,000 | ₹18 L | ₹32.55 L | ₹53.27 L | ₹82.46 L |
| ₹1.5 lakh / yr | ₹12,500 | ₹22.5 L | ₹40.68 L | ₹66.58 L | ₹1.03 Cr |
At 7.1% (Oct–Dec 2026), deposited before 5 April each year, deposits continued during extensions. Tap any row for the full breakdown.
Questions people ask
What does the maximum ₹1.5 lakh a year become?
About ₹40,68,209 after 15 years at 7.1% — ₹18.18 L of it tax-free interest on ₹22.5 L deposited.
How is PPF interest calculated?
Interest is worked out monthly on the lowest balance between the 5th and the month-end, and added once a year. Depositing before 5 April earns interest for the full year.
Is PPF worth it in the new tax regime?
You lose the 80C deduction, but the interest is still tax-free and government-backed. At 7.1% tax-free, it beats a 6.5–7% FD for anyone who pays tax on FD interest.
Can I take money out early?
Partial withdrawals are allowed from the 7th financial year, and loans against the balance from the 3rd to the 6th year. Closing early is allowed only after 5 full years, for reasons like serious illness, higher education or moving abroad, and the whole account then earns 1% less interest.