PPF maturity for ₹1.5 lakh a year
What does ₹1.5 lakh a year in PPF become in 15 years?
₹40.68 L
At 7.1%, the rate for Oct–Dec 2026. You put in ₹22,50,000; ₹18,18,209 is tax-free interest.
Open in the PPF calculatorBalance year by year
| After | Deposited | Keep depositing | Stop at 15 years |
|---|---|---|---|
| 5 years | ₹7.5 L | ₹9.26 L | — |
| 10 years | ₹15 L | ₹22.3 L | — |
| 15 years | ₹22.5 L | ₹40.68 L | — |
| 20 years | ₹30 L | ₹66.58 L | ₹57.33 L |
| 25 years | ₹37.5 L | ₹1.03 Cr | ₹80.78 L |
| 30 years | ₹45 L | ₹1.55 Cr | ₹1.14 Cr |
After 15 years you can extend in 5-year blocks, with or without new deposits. "Deposited" assumes you keep depositing. Rate held at 7.1%; the government resets it every quarter.
Make it yours
Change any number
₹
Paid by 5 April each year, as this assumes. Paying ₹12,500 a month instead earns a little less · max ₹1.5 lakh a year
%
7.1% for Oct–Dec 2026, set every quarter
Keep the account for
PPF balance after 15 years
₹40,68,209
₹18,18,209 tax-free interest on ₹22,50,000 deposited
Deposited
₹22,50,000
Interest
₹18,18,209
Growth
1.81×
Balance, year by year
Your depositsInterest
Extend beyond 15 years and the interest overtakes your deposits — that’s where PPF really shines.
In the old regime your deposit also cuts tax under 80C (section 123 since April 2026) — up to ₹46,800 a year at the 30% slab. The rate here is 7.1%; the government resets it every quarter.
Questions people ask
What is ₹1.5 lakh a year in PPF after 15 years?
About ₹40,68,209 at today’s 7.1%. You deposit ₹22,50,000; the other ₹18,18,209 is interest — all of it tax-free.
What if I extend it?
Extending for two 5-year blocks and continuing to deposit takes it to about ₹1.03 Cr after 25 years. Even without fresh deposits, the balance keeps earning: about ₹80.78 L after 25 years.
When should I deposit?
Before 5 April each year. PPF interest is worked out on the lowest balance between the 5th and the end of each month, so an early deposit earns interest for the whole year. These numbers assume that.
Can I deposit more than ₹1.5 lakh?
No — ₹1,50,000 a year is the limit across all PPF accounts you hold (including a minor’s you operate). Anything above it earns no interest.
Do I get a tax deduction?
Only in the old regime, where deposits count under 80C. In both regimes the interest and the maturity amount are tax-free.