50% 80C Cap Utilization • Tax-Free Returns

₹75,000 per Year PPF Maturity Calculator

Investing ₹75,000 annually into PPF builds a guaranteed tax-exempt nest egg of ₹20.34 Lakhs over 15 years, earning ₹9.09 Lakhs in compound interest.

15-Yr Tax-Free Corpus₹20.34 L(at 7.1% p.a. sovereign)

Contribution

₹75,000 / year

₹75,000/year

15-Yr Total Deposit

₹11.25 L

100% 80C Deductible

15-Yr Interest Earned

+₹9.09 L

100% Tax-Exempt

25-Yr Extended Corpus

₹51.54 L

Wealth Gain: +₹32.79 L

₹75,000 per Year — 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	₹11.25 L	+₹9.09 L	₹20.34 L
20 Years (1st 5-Year Extension)	₹15.00 L	+₹18.29 L	₹33.29 L
25 Years (2nd 5-Year Extension)	₹18.75 L	+₹32.79 L	₹51.54 L
30 Years (3rd 5-Year Extension)	₹22.50 L	+₹54.75 L	₹77.25 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: ₹20.34 L
Your money becomes: 1.8×; of what you put in over 15 years.

Invested vs Interest

Total invested: ₹11.25 L
Interest earned: ₹9.09 L

Interest is 44.7% of final value

Year-by-year breakdown

Show as

1
Contributed
₹75,000
Total contributed
₹75,000
Interest earned
₹5,325
Value
₹80,325
2
Contributed
₹75,000
Total contributed
₹1.50 L
Interest earned
₹11,028
Value
₹1.66 L
3
Contributed
₹75,000
Total contributed
₹2.25 L
Interest earned
₹17,136
Value
₹2.58 L
4
Contributed
₹75,000
Total contributed
₹3.00 L
Interest earned
₹23,678
Value
₹3.57 L
5
Contributed
₹75,000
Total contributed
₹3.75 L
Interest earned
₹30,684
Value
₹4.63 L
6
Contributed
₹75,000
Total contributed
₹4.50 L
Interest earned
₹38,187
Value
₹5.76 L
7
Contributed
₹75,000
Total contributed
₹5.25 L
Interest earned
₹46,224
Value
₹6.97 L
8
Contributed
₹75,000
Total contributed
₹6.00 L
Interest earned
₹54,831
Value
₹8.27 L
9
Contributed
₹75,000
Total contributed
₹6.75 L
Interest earned
₹64,049
Value
₹9.66 L
10
Contributed
₹75,000
Total contributed
₹7.50 L
Interest earned
₹73,921
Value
₹11.15 L
11
Contributed
₹75,000
Total contributed
₹8.25 L
Interest earned
₹84,494
Value
₹12.75 L
12
Contributed
₹75,000
Total contributed
₹9.00 L
Interest earned
₹95,819
Value
₹14.45 L
13
Contributed
₹75,000
Total contributed
₹9.75 L
Interest earned
₹1.08 L
Value
₹16.28 L
14
Contributed
₹75,000
Total contributed
₹10.50 L
Interest earned
₹1.21 L
Value
₹18.24 L
15
Contributed
₹75,000
Total contributed
₹11.25 L
Interest earned
₹1.35 L
Value
₹20.34 L

Year	Contributed	Total contributed	Interest earned	Value
1	₹75,000	₹75,000	₹5,325	₹80,325
2	₹75,000	₹1.50 L	₹11,028	₹1.66 L
3	₹75,000	₹2.25 L	₹17,136	₹2.58 L
4	₹75,000	₹3.00 L	₹23,678	₹3.57 L
5	₹75,000	₹3.75 L	₹30,684	₹4.63 L
6	₹75,000	₹4.50 L	₹38,187	₹5.76 L
7	₹75,000	₹5.25 L	₹46,224	₹6.97 L
8	₹75,000	₹6.00 L	₹54,831	₹8.27 L
9	₹75,000	₹6.75 L	₹64,049	₹9.66 L
10	₹75,000	₹7.50 L	₹73,921	₹11.15 L
11	₹75,000	₹8.25 L	₹84,494	₹12.75 L
12	₹75,000	₹9.00 L	₹95,819	₹14.45 L
13	₹75,000	₹9.75 L	₹1.08 L	₹16.28 L
14	₹75,000	₹10.50 L	₹1.21 L	₹18.24 L
15	₹75,000	₹11.25 L	₹1.35 L	₹20.34 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)

The formula, with your numbers

Standard Formula

A = P × (1 + i) × [(1 + i)^N − 1] ÷ i, where i = r ÷ n and N = n × t

Live Calculation (Plugging Your Values)

Yearly Investment Amount (P):₹75,000

Interest rate (r):7.1%

Compounded (n):yearly (once a year)

Time (t):15 years

Rate per period (i):0.071

Number of periods (N):15

Total you will have invested (C):₹11,25,000

Interest earned (I):₹9,09,105

Substituted Equation:

₹75,000 × (1 + 0.071) × [(1 + 0.071)^15 − 1] ÷ 0.071 = ₹20,34,105

Maturity value:₹20,34,105

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.

References

How these numbers are checked →

PPF (Public Provident Fund) FAQs

What is the maturity amount for ₹75,000 / year in PPF after 15 years?

At the prevailing 7.1% p.a. interest rate compounded annually, an investment of ₹75,000 / year totals ₹11,25,000 in deposits and earns ₹9,09,105 in interest, yielding a 100% tax-free maturity corpus of ₹20,34,105.

How much will my PPF account grow if extended to 20 or 25 years with ₹75,000 / year?

After 15 years, PPF accounts can be extended in 5-year blocks. At 20 years, your balance grows to ₹33,29,144 (invested ₹15,00,000). At 25 years, the maturity corpus reaches ₹51,54,007.

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 ₹75,000 / 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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Strategic Insights for ₹75,000 / year in PPF

✓Investing ₹75,000 / year at the current 7.1% interest rate yields ₹9,09,105 in tax-free interest over 15 years, reaching a final maturity value of ₹20,34,105.

✓If extended for a 5-year block (20 years total), the compounding acceleration increases your final payout to ₹33,29,144 (wealth gain: ₹18,29,144).

✓Extending to 25 years produces ₹51,54,007, more than doubling your invested principal of ₹18,75,000.

✓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.