See what depositing ₹10,000 every month in PPF adds up to. Change any number below.
At maturity you'll get
| When | Deposited | Interest | Balance |
|---|
Depositing ₹10,000 every month in PPF at the current 7.1% a year adds up to about ₹31,54,455 at maturity after 15 years, on ₹18,00,000 deposited. Extending the account keeps it growing:
| Years | Deposited | Maturity | Interest |
|---|---|---|---|
| 15 yrs (maturity) | ₹18 L | ₹31.54 L | ₹13.54 L |
| 20 yrs (extended) | ₹24 L | ₹51.63 L | ₹27.63 L |
| 25 yrs (extended) | ₹30 L | ₹79.93 L | ₹49.93 L |
| 30 yrs (extended) | ₹36 L | ₹1.2 Cr | ₹83.81 L |
At 7.1% a year (Oct–Dec 2026), compounded yearly, deposits before the 5th of each month. L = lakh. The government can change the rate every quarter.
PPF interest is worked out each month on the lowest balance between the 5th and the end of the month, and added once a year. This assumes each deposit is made before the 5th. See the PPF Calculator guide for the full rules, or change any number in the calculator above.
About ₹31,54,455 at 7.1% a year, of which ₹18,00,000 is your deposits and ₹13,54,455 is interest. The final figure depends on future PPF rates.
Yes. It adds up to ₹1,20,000 a year, within the ₹1.5 lakh yearly limit.
Once a year, before 5 April, earns slightly more because the whole amount earns interest for the full year. Depositing ₹1,20,000 each April instead of ₹10,000 a month gives about ₹32,54,567 after 15 years, compared with ₹31,54,455.
You can extend in blocks of 5 years. Continuing ₹10,000 a month gives about ₹51,62,780 after 20 years and ₹79,92,747 after 25 years.