₹500 per Year Minimum PPF Calculator
Under Government of India PPF scheme rules, a minimum deposit of ₹500 is legally required per financial year to keep an account active. Failing to deposit ₹500 in any financial year marks the account as discontinued, requiring a ₹50 penalty per inactive year plus arrears to revive.
₹500 / year
₹500/year
₹7,500
100% 80C Deductible
+₹6,061
100% Tax-Exempt
₹34,360
Wealth Gain: +₹21,860
₹500 per Year (Statutory Minimum) — 15 to 30-Year Compounding & Extension Matrix
See how continued annual contributions compound under sovereign guarantee at 7.1% p.a.
| Tenure Milestone | Total Amount Deposited | Tax-Free Interest Earned | Total Guaranteed Maturity |
|---|---|---|---|
| 15 Years (Statutory Maturity)Standard | ₹7,500 | +₹6,061 | ₹13,561 |
| 20 Years (1st 5-Year Extension) | ₹10,000 | +₹12,194 | ₹22,194 |
| 25 Years (2nd 5-Year Extension) | ₹12,500 | +₹21,860 | ₹34,360 |
| 30 Years (3rd 5-Year Extension) | ₹15,000 | +₹36,503 | ₹51,503 |
Interactive PPF Calculation Engine
Adjust the sliders or change contribution amounts to simulate different deposit horizons.
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Frequently Asked Questions on ₹500 per Year (Statutory Minimum) in PPF
What is the maturity amount for ₹500 / year in PPF after 15 years?▼
At the prevailing 7.1% p.a. interest rate compounded annually, an investment of ₹500 / year totals ₹7,500 in deposits and earns ₹6,061 in interest, yielding a 100% tax-free maturity corpus of ₹13,561.
How much will my PPF account grow if extended to 20 or 25 years with ₹500 / year?▼
After 15 years, PPF accounts can be extended in 5-year blocks. At 20 years, your balance grows to ₹22,194 (invested ₹10,000). At 25 years, the maturity corpus reaches ₹34,360.
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 ₹500 / year 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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