PPF Calculator - Rs. 1 lakh per Year
At 7.1% interest rate (compounded annually) - completely tax-free returns
Maturity (15 years)
Rs. 27.12 lakh
Mandatory lock-in
Total Invested
Rs. 15.00 lakh
Over 15 years
Interest Earned
Rs. 12.12 lakh
100% tax-free
Rs. 1 lakh/year PPF - Returns at 7.1%
| Duration | Total Invested | Interest (Tax-free) | Maturity Amount |
|---|---|---|---|
| 15 years(mandatory) | Rs. 15.00 lakh | Rs. 12.12 lakh | Rs. 27.12 lakh |
| 20 years(extended) | Rs. 20.00 lakh | Rs. 24.39 lakh | Rs. 44.39 lakh |
| 25 years(extended) | Rs. 25.00 lakh | Rs. 43.72 lakh | Rs. 68.72 lakh |
Adjust to your PPF contribution
Maturity Amount
₹40.68 L
Total Invested
₹22.50 L
Total Interest
₹18.18 L
Extension Scenarios (at ₹150K/yr, 7.1%)
After 15 years
₹40.68 L
Invested: ₹22.50 L
After 20 years
₹66.58 L
Invested: ₹30.00 L
After 25 years
₹1.03 Cr
Invested: ₹37.50 L
PPF can be extended in 5-year blocks after 15 years. Partial withdrawals allowed from year 7.
Balance Growth
What will Rs. 1 lakh/year PPF return after 15 years?
Investing Rs. 1 lakh every year in PPF at 7.1% compounded annually for 15 years gives a tax-free maturity of Rs. 27.12 lakh. Your total investment is Rs. 15.00 lakh and you earn Rs. 12.12 lakh as interest - completely exempt from income tax. If you extend for another 10 years (to 25 years), the corpus grows to Rs. 68.72 lakh.
PPF interest rate is set quarterly by the Government of India. The current rate of 7.1% has been unchanged since April 2020. The EEE tax status makes PPF one of the best risk-free instruments for salaried taxpayers in the 30% tax bracket.
Frequently Asked Questions
What will Rs. 1 lakh per year PPF give after 15 years?▾
Investing Rs. 1 lakh every year in PPF for 15 years at 7.1% interest (compounded annually) gives a tax-free maturity of Rs. 27.12 lakh. Total invested: Rs. 15.00 lakh. Interest earned: Rs. 12.12 lakh. The entire maturity amount is exempt from income tax under the EEE category.
How much does Rs. 1 lakh/year PPF grow if extended to 25 years?▾
Extending the PPF account for two additional 5-year blocks (total 25 years) while continuing to invest Rs. 1 lakh per year at 7.1% gives Rs. 68.72 lakh. That is Rs. 41.60 lakh more than a 15-year account. The extra 10 years deliver Rs. 31.60 lakh more interest through compounding.
Is Rs. 1 lakh/year PPF investment eligible for 80C deduction?▾
Yes. PPF contributions of up to Rs. 1,50,000 per year are eligible for deduction under Section 80C of the Income Tax Act. If you invest Rs. 1 lakh per year, the full amount qualifies for 80C deduction. Additionally, the interest earned and the maturity amount are both completely tax-free under the EEE (Exempt-Exempt-Exempt) status.