PPF Calculator - Rs. 50,000 per Year
At 7.1% interest rate (compounded annually) - completely tax-free returns
Maturity (15 years)
Rs. 13.56 lakh
Mandatory lock-in
Total Invested
Rs. 7.50 lakh
Over 15 years
Interest Earned
Rs. 6.06 lakh
100% tax-free
Rs. 50,000/year PPF - Returns at 7.1%
| Duration | Total Invested | Interest (Tax-free) | Maturity Amount |
|---|---|---|---|
| 15 years(mandatory) | Rs. 7.50 lakh | Rs. 6.06 lakh | Rs. 13.56 lakh |
| 20 years(extended) | Rs. 10.00 lakh | Rs. 12.19 lakh | Rs. 22.19 lakh |
| 25 years(extended) | Rs. 12.50 lakh | Rs. 21.86 lakh | Rs. 34.36 lakh |
Adjust to your PPF contribution
Maturity Amount
₹40.68 L
In today's money: ₹16.98 L(6% inflation)
Total Invested
₹22.50 L
Total Interest (Tax-Free)
₹18.18 L
Extension Scenarios (₹1.50 L/yr at 7.1%)
After 15 years
₹40.68 L
Invested: ₹22.50 L
Interest: ₹18.18 L
After 20 years
₹66.58 L
Invested: ₹30 L
Interest: ₹36.58 L
After 25 years
₹1.03 Cr
Invested: ₹37.50 L
Interest: ₹65.58 L
PPF can be extended in 5-year blocks after 15 years. Partial withdrawals allowed from year 7 (up to 50% of 4-year-ago balance).
Balance Growth
What will Rs. 50,000/year PPF return after 15 years?
Investing Rs. 50,000 every year in PPF at 7.1% compounded annually for 15 years gives a tax-free maturity of Rs. 13.56 lakh. Your total investment is Rs. 7.50 lakh and you earn Rs. 6.06 lakh as interest - completely exempt from income tax. If you extend for another 10 years (to 25 years), the corpus grows to Rs. 34.36 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.
Rs. 50,000/year PPF - balance at each milestone
| Milestone | Total deposited | Interest (tax-free) | Balance |
|---|---|---|---|
| End of year 5 | Rs. 2.50 lakh | Rs. 58,567 | Rs. 3.09 lakh |
| End of year 10 | Rs. 5.00 lakh | Rs. 2.43 lakh | Rs. 7.43 lakh |
| End of year 15(maturity) | Rs. 7.50 lakh | Rs. 6.06 lakh | Rs. 13.56 lakh |
Because PPF compounds annually, growth accelerates in the later years. By the end of year 5 a Rs. 50,000/year account holds about Rs. 3.09 lakh, of which Rs. 58,567 is interest. By year 10 the balance is Rs. 7.43 lakh, and at the 15-year maturity it reaches Rs. 13.56 lakh — by then interest (Rs. 6.06 lakh) makes up about 45% of the corpus.
Extending Rs. 50,000/year PPF beyond 15 years
After the mandatory 15-year term, a PPF account can be extended in blocks of 5 years — indefinitely. If you keep depositing Rs. 50,000 every year and extend, the tax-free corpus grows sharply because compounding now works on a much larger base:
15 years (base)
Rs. 13.56 lakh
no extension
20 years (one block)
Rs. 22.19 lakh
+Rs. 8.63 lakh
25 years (two blocks)
Rs. 34.36 lakh
+Rs. 20.80 lakh
To keep contributing during an extension you must submit Form H within one year of maturity; otherwise the account is treated as extended without fresh deposits (the balance still keeps earning 7.1% tax-free). Extending two 5-year blocks to 25 years turns Rs. 12.50 lakh of deposits into Rs. 34.36 lakh — Rs. 21.86 lakh of it tax-free interest.
Tax benefit on Rs. 50,000/year PPF
Section 80C deduction / year
Rs. 50,000
full deposit qualifies
Potential tax saved / year (30% slab)
Rs. 15,600
old regime, incl. 4% cess
PPF enjoys full EEE (Exempt-Exempt-Exempt) status. The Rs. 50,000 you can claim under Section 80C reduces your taxable income, the 7.1% interest accrues tax-free every year, and the entire Rs. 13.56 lakh maturity is exempt on withdrawal. In the 30% old-regime bracket the 80C deduction alone can save about Rs. 15,600 in tax each year (roughly Rs. 10,400 in the 20% bracket). Note that Section 80C is available only under the old tax regime — the new regime does not allow this deduction.
Frequently Asked Questions
What will Rs. 50,000 per year PPF give after 15 years?▾
Investing Rs. 50,000 every year in PPF for 15 years at 7.1% interest (compounded annually) gives a tax-free maturity of Rs. 13.56 lakh. Total invested: Rs. 7.50 lakh. Interest earned: Rs. 6.06 lakh. The entire maturity amount is exempt from income tax under the EEE category.
How much will Rs. 50,000/year PPF be worth at year 5 and year 10?▾
With Rs. 50,000 deposited every year at 7.1%, the PPF balance reaches about Rs. 3.09 lakh at the end of year 5 (Rs. 58,567 interest on Rs. 2.50 lakh deposited) and about Rs. 7.43 lakh at the end of year 10 (Rs. 2.43 lakh interest on Rs. 5.00 lakh deposited). The last five years add the most, because compounding works on a larger balance.
How much does Rs. 50,000/year PPF grow if extended to 20 or 25 years?▾
Extending one 5-year block to 20 years while still depositing Rs. 50,000/year at 7.1% grows the corpus to Rs. 22.19 lakh; two blocks to 25 years gives Rs. 34.36 lakh — that is Rs. 20.80 lakh more than stopping at 15 years, with Rs. 15.80 lakh of extra tax-free interest. To keep contributing during an extension you must submit Form H within one year of the original maturity.
Is Rs. 50,000/year PPF eligible for the Section 80C deduction?▾
Yes. PPF deposits qualify for a Section 80C deduction of up to Rs. 1,50,000 per year (old tax regime only). Your Rs. 50,000/year deposit qualifies in full, which can save up to Rs. 15,600 a year in the 30% bracket. The interest and the maturity are additionally tax-free under EEE status.
What is the monthly equivalent of Rs. 50,000 per year?▾
Rs. 50,000 per year works out to roughly Rs. 4,167 per month. You can deposit as a lump sum or in instalments through the year; depositing before the 5th of a month ensures that month's balance earns interest (PPF interest is calculated on the lowest balance between the 5th and month-end). The combined annual maximum across all your PPF accounts is Rs. 1.5 lakh.
Is the interest on Rs. 50,000/year PPF taxable?▾
No. PPF interest is completely tax-free and is never added to your income. Over the 15-year term, Rs. 50,000/year earns Rs. 6.06 lakh of interest, all of it exempt. This EEE status is what makes PPF especially valuable for taxpayers in the 30% bracket.
Should I increase Rs. 50,000 to grow the corpus faster?▾
You can. The PPF ceiling is Rs. 1.5 lakh per year. Raising your deposit from Rs. 50,000 to the Rs. 1.5 lakh maximum would grow the 15-year corpus from Rs. 13.56 lakh to Rs. 40.68 lakh. The minimum to keep an account active is Rs. 500 per year.