₹24k Annual Investment • EEE Tax Status

₹2,000 per Month PPF Maturity Calculator

Saving ₹2,000 per month (₹24,000 annually) in PPF yields a guaranteed, tax-exempt payout of ₹6.31 Lakhs over 15 years against an out-of-pocket investment of ₹3.60 Lakhs.

15-Yr Tax-Free Corpus₹6.31 L(at 7.1% p.a. sovereign)

Contribution

₹2,000 / month

₹24,000/year

15-Yr Total Deposit

₹3.60 L

100% 80C Deductible

15-Yr Interest Earned

+₹2.71 L

100% Tax-Exempt

25-Yr Extended Corpus

₹15.99 L

Wealth Gain: +₹9.99 L

₹2,000 per Month — 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	₹3.60 L	+₹2.71 L	₹6.31 L
20 Years (1st 5-Year Extension)	₹4.80 L	+₹5.53 L	₹10.33 L
25 Years (2nd 5-Year Extension)	₹6.00 L	+₹9.99 L	₹15.99 L
30 Years (3rd 5-Year Extension)	₹7.20 L	+₹16.77 L	₹23.97 L

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

How you pay it in

PPF pays interest each month on the lowest balance after the 5th and credits it on 31 March (PPF Scheme 2019, para 7). Money paid by 5 April earns all 12 months; a monthly instalment earns only from its own month, so the same yearly amount grows less when paid monthly.

Final value: ₹6.31 L
Your money becomes: 1.8×; of what you put in over 15 years.

Invested vs Interest

Total invested: ₹3.60 L
Interest earned: ₹2.71 L

Interest is 43.0% of final value

Year-by-year breakdown

Show as

1
Contributed
₹24,000
Total contributed
₹24,000
Interest earned
₹923
Value
₹24,923
2
Contributed
₹24,000
Total contributed
₹48,000
Interest earned
₹2,693
Value
₹51,616
3
Contributed
₹24,000
Total contributed
₹72,000
Interest earned
₹4,588
Value
₹80,203
4
Contributed
₹24,000
Total contributed
₹96,000
Interest earned
₹6,617
Value
₹1.11 L
5
Contributed
₹24,000
Total contributed
₹1.20 L
Interest earned
₹8,791
Value
₹1.44 L
6
Contributed
₹24,000
Total contributed
₹1.44 L
Interest earned
₹11,119
Value
₹1.79 L
7
Contributed
₹24,000
Total contributed
₹1.68 L
Interest earned
₹13,613
Value
₹2.16 L
8
Contributed
₹24,000
Total contributed
₹1.92 L
Interest earned
₹16,283
Value
₹2.57 L
9
Contributed
₹24,000
Total contributed
₹2.16 L
Interest earned
₹19,144
Value
₹3.00 L
10
Contributed
₹24,000
Total contributed
₹2.40 L
Interest earned
₹22,207
Value
₹3.46 L
11
Contributed
₹24,000
Total contributed
₹2.64 L
Interest earned
₹25,487
Value
₹3.95 L
12
Contributed
₹24,000
Total contributed
₹2.88 L
Interest earned
₹29,001
Value
₹4.48 L
13
Contributed
₹24,000
Total contributed
₹3.12 L
Interest earned
₹32,764
Value
₹5.05 L
14
Contributed
₹24,000
Total contributed
₹3.36 L
Interest earned
₹36,794
Value
₹5.66 L
15
Contributed
₹24,000
Total contributed
₹3.60 L
Interest earned
₹41,111
Value
₹6.31 L

Year	Contributed	Total contributed	Interest earned	Value
1	₹24,000	₹24,000	₹923	₹24,923
2	₹24,000	₹48,000	₹2,693	₹51,616
3	₹24,000	₹72,000	₹4,588	₹80,203
4	₹24,000	₹96,000	₹6,617	₹1.11 L
5	₹24,000	₹1.20 L	₹8,791	₹1.44 L
6	₹24,000	₹1.44 L	₹11,119	₹1.79 L
7	₹24,000	₹1.68 L	₹13,613	₹2.16 L
8	₹24,000	₹1.92 L	₹16,283	₹2.57 L
9	₹24,000	₹2.16 L	₹19,144	₹3.00 L
10	₹24,000	₹2.40 L	₹22,207	₹3.46 L
11	₹24,000	₹2.64 L	₹25,487	₹3.95 L
12	₹24,000	₹2.88 L	₹29,001	₹4.48 L
13	₹24,000	₹3.12 L	₹32,764	₹5.05 L
14	₹24,000	₹3.36 L	₹36,794	₹5.66 L
15	₹24,000	₹3.60 L	₹41,111	₹6.31 L

Growth over time

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

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)

PPF formula (monthly instalments)

Standard Formula

Each year: I = r/12 × (12 × B + 78 × m), then B = B + 12 × m + I

Live Calculation (Plugging Your Values)

Monthly instalment (m):₹2,000

Interest rate (r):7.1%

Years (t):15

Substituted Equation:

₹2,000 a month for 15 years at 7.1% = ₹6,31,136

Maturity value:₹6,31,136

B is the balance at the start of the year and m the instalment paid by the 5th of each month. The April instalment earns interest for 12 months, May's for 11, down to March's for 1: 12 + 11 + … + 1 = 78. The year's interest is added on 31 March and earns interest from then on.

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.

References

How these numbers are checked →

PPF (Public Provident Fund) FAQs

What is the maturity amount for ₹2,000 / month in PPF after 15 years?

At the prevailing 7.1% p.a. interest rate compounded annually, an investment of ₹2,000 / month totals ₹3,60,000 in deposits and earns ₹2,71,136 in interest, yielding a 100% tax-free maturity corpus of ₹6,31,136.

How much will my PPF account grow if extended to 20 or 25 years with ₹2,000 / month?

After 15 years, PPF accounts can be extended in 5-year blocks. At 20 years, your balance grows to ₹10,32,957 (invested ₹4,80,000). At 25 years, the maturity corpus reaches ₹15,99,170.

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 ₹2,000 / 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 ₹2,000 / month in PPF

✓Investing ₹2,000 / month at the current 7.1% interest rate yields ₹2,71,136 in tax-free interest over 15 years, reaching a final maturity value of ₹6,31,136.

✓If extended for a 5-year block (20 years total), the compounding acceleration increases your final payout to ₹10,32,957 (wealth gain: ₹5,52,957).

✓Extending to 25 years produces ₹15,99,170, more than doubling your invested principal of ₹6,00,000.

✓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.