Monthly SIP Method • Max 80C Cap

₹12,500 per Month PPF Maturity Calculator

A monthly deposit of ₹12,500 allows you to reach the maximum statutory annual cap of ₹1.5 Lakhs through convenient monthly installments. By depositing before the 5th of each month, you earn full interest on that month’s balance, compounding to a tax-free maturity corpus of ₹40.68 Lakhs over 15 years.

15-Yr Tax-Free Corpus₹40.68 L(at 7.1% p.a. sovereign)

Contribution

₹12,500 / month

₹1,50,000/year

15-Yr Total Deposit

₹22.50 L

100% 80C Deductible

15-Yr Interest Earned

+₹18.18 L

100% Tax-Exempt

25-Yr Extended Corpus

₹1.03 Cr

Wealth Gain: +₹65.58 L

₹12,500 per Month (Max Monthly Cap) — 15 to 30-Year Compounding & Extension Matrix

See how continued annual contributions compound under sovereign guarantee at 7.1% p.a.

EEE Status: Zero Tax

Tenure Milestone	Total Amount Deposited	Tax-Free Interest Earned	Total Guaranteed Maturity
15 Years (Statutory Maturity)Standard	₹22.50 L	+₹18.18 L	₹40.68 L
20 Years (1st 5-Year Extension)	₹30.00 L	+₹36.58 L	₹66.58 L
25 Years (2nd 5-Year Extension)	₹37.50 L	+₹65.58 L	₹1.03 Cr
30 Years (3rd 5-Year Extension)	₹45.00 L	+₹1.10 Cr	₹1.55 Cr

Interactive PPF Calculation Engine

Adjust the sliders or change contribution amounts to simulate different deposit horizons.

PPF Calculator (Public Provident Fund)

Calculate guaranteed tax-free 7.1% p.a. returns, 15-year maturity value, and Section 80C tax savings under the EEE tax model

Yearly Investment Amount

₹

Quick Presets:

₹500₹1.50 L

PPF interest rate (govt-set, currently 7.1%)

5%12%

Time Period

Yrs

15 Yr50 Yrs

Your money becomes

1.8×

of what you put in over 15 years.

Final value₹40.68 L

Invested vs Interest

Total invested

₹22.50 L

Interest earned

₹18.18 L

Interest is 44.7% of final value

Year-by-year breakdown

Year	Contributed	Total contributed	Interest earned	Value
1	₹1.50 L	₹1.50 L	₹10,650	₹1.61 L
2	₹1.50 L	₹3.00 L	₹22,056	₹3.33 L
3	₹1.50 L	₹4.50 L	₹34,272	₹5.17 L
4	₹1.50 L	₹6.00 L	₹47,355	₹7.14 L
5	₹1.50 L	₹7.50 L	₹61,368	₹9.26 L
6	₹1.50 L	₹9.00 L	₹76,375	₹11.52 L
7	₹1.50 L	₹10.50 L	₹92,447	₹13.95 L
8	₹1.50 L	₹12.00 L	₹1.10 L	₹16.54 L
9	₹1.50 L	₹13.50 L	₹1.28 L	₹19.32 L
10	₹1.50 L	₹15.00 L	₹1.48 L	₹22.30 L
11	₹1.50 L	₹16.50 L	₹1.69 L	₹25.49 L
12	₹1.50 L	₹18.00 L	₹1.92 L	₹28.91 L
13	₹1.50 L	₹19.50 L	₹2.16 L	₹32.57 L
14	₹1.50 L	₹21.00 L	₹2.42 L	₹36.49 L
15	₹1.50 L	₹22.50 L	₹2.70 L	₹40.68 L

Growth over time

The gap between the two lines is the interest earned — and it widens every year.

The formula, with your numbers

Standard Formula

A = Σ P x (1 + r/n)^(n x remaining time for each instalment)

Live Calculation (Plugging Your Values)

Yearly Investment Amount (P):₹1.50 L

Interest rate (r):7.1%

Time (t):15 years

Compounded (n):yearly (once a year)

Total you will have invested (Invested):₹22.50 L

Interest earned (Interest):₹18.18 L

Substituted Equation:

₹1.50 L invested over 15 years at 7.1% = ₹40.68 L

Maturity value:₹40.68 L

Each instalment compounds only for the time left after you pay it, so the first one earns far more than the last. The calculator steps through every instalment separately rather than applying one rate to the total, which is why the interest is lower than a single lump sum of the same size would earn.

About the PPF Calculator

The Public Provident Fund (PPF) is a long-term savings scheme backed by the Government of India paying 7.1% tax-free returns under Section 80C.

Popular PPF Investment Guides

15-year maturity corpus, interest earned, and Section 80C tax benefits across popular deposit milestones.

₹1.5 Lakh per Year (Max 80C Cap)

₹12,500 per Month (Max Monthly Cap)

₹500 per Year (Statutory Minimum)

References

Power of Compounding FAQs

What is the maturity amount for ₹12,500 / month in PPF after 15 years?

At the prevailing 7.1% p.a. interest rate compounded annually, an investment of ₹12,500 / month totals ₹22,50,000 in deposits and earns ₹18,18,209 in interest, yielding a 100% tax-free maturity corpus of ₹40,68,209.

How much will my PPF account grow if extended to 20 or 25 years with ₹12,500 / month?

After 15 years, PPF accounts can be extended in 5-year blocks. At 20 years, your balance grows to ₹66,58,288 (invested ₹30,00,000). At 25 years, the maturity corpus reaches ₹1,03,08,015.

What is the 5th-of-the-month deposit rule for PPF?

Interest on PPF is calculated on the lowest balance between the close of the 5th day and the end of the calendar month. To maximize your interest earnings for that month, ensure your deposit reaches the PPF account on or before the 5th of each month.

Is interest earned on ₹12,500 / month taxable in PPF?

No. PPF enjoys complete Exempt-Exempt-Exempt (EEE) status. The annual contribution qualifies for deduction under Section 80C (up to ₹1.5 Lakhs), the interest earned every year is tax-free under Section 10(11), and the final maturity payout is 100% exempt from income tax.

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Strategic Insights for ₹12,500 / month in PPF

✓Investing ₹12,500 / month at the current 7.1% interest rate yields ₹18,18,209 in tax-free interest over 15 years, reaching a final maturity value of ₹40,68,209.

✓If extended for a 5-year block (20 years total), the compounding acceleration increases your final payout to ₹66,58,288 (wealth gain: ₹36,58,288).

✓Extending to 25 years produces ₹1,03,08,015, more than doubling your invested principal of ₹37,50,000.

✓PPF qualifies for EEE (Exempt-Exempt-Exempt) tax status under Section 80C and Section 10(11), meaning zero income tax on contributions, accrued interest, or the final maturity payout.