Tax-free returns under Section 80C • Govt-backed
Maturity Amount
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Total Invested
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Interest Earned
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A PPF calculator 2000 per month shows exactly how much your small monthly saving grows into over 15 years. At 7.1% interest per annum (current rate for FY2025-26), investing ₹2,000 every month builds a solid, tax-free corpus. Try the free PPF calculator above to see your exact numbers.
A PPF calculator is a free online tool that calculates your Public Provident Fund maturity amount, total interest earned, and year-by-year growth based on your monthly or yearly deposit and the current 7.1% interest rate.
PPF stands for Public Provident Fund. It is a government-backed savings scheme run by the Government of India. You can open a PPF account at SBI, HDFC, ICICI, or any post office. The minimum deposit is just ₹500 per year — making it accessible even on a ₹5L salary.
The scheme runs for 15 years and can be extended in 5-year blocks. As per the Reserve Bank of India, PPF falls under the EEE category — Exempt on deposit, Exempt on interest, Exempt on maturity. That means zero tax at every stage.
Under Section 80C of the Income Tax Act, you can claim a deduction of up to ₹1.5 lakh per year on PPF deposits. So even ₹2,000 per month (₹24,000 per year) qualifies fully.
PPF interest is calculated on the minimum balance between the 5th and last day of each month. So always deposit before the 5th to earn full interest for that month — missing this by even one day costs you one month’s interest.
📐 Formula: M = P × [((1 + r)^n – 1) / r] × (1 + r)
Where M = Maturity Amount | P = Monthly deposit (₹2,000) | r = Monthly interest rate (7.1% ÷ 12 = 0.5917%) | n = Total months (15 years × 12 = 180)
The government reviews the PPF interest rate every quarter. The current rate is 7.1% per annum for FY2025-26, as notified by the Ministry of Finance. Interest is credited to your account on 31st March each year. It compounds annually — not monthly — so the formula above gives an approximate figure.
Using the PPF calculator 2000 per month tool above takes less than 30 seconds. No sign-up needed. No bank details required. Just three inputs and you get your full projection instantly.
Here are three scenarios using the PPF calculator 2000 per month across different time periods. All figures use 7.1% per annum, compounded annually.
| Tenure | Deposited | Interest | Maturity |
|---|---|---|---|
| 15 years | ₹3,60,000 | ₹3,22,428 | ₹6,82,428 |
| 20 years | ₹4,80,000 | ₹5,87,312 | ₹10,67,312 |
| 25 years | ₹6,00,000 | ₹9,96,884 | ₹15,96,884 |
See that jump? At 25 years, you deposit ₹6 lakh but take home nearly ₹16 lakh — all tax-free. That’s the power of compounding at work. Use the free PPF calculator above to explore your own numbers.
This table shows how your ₹2,000/month PPF account grows in key milestone years. It helps you understand when the compounding really kicks in — typically after year 10.
| Year | Deposited | Balance |
|---|---|---|
| Year 3 | ₹72,000 | ₹80,276 |
| Year 5 | ₹1,20,000 | ₹1,41,276 |
| Year 10 | ₹2,40,000 | ₹3,47,520 |
| Year 15 | ₹3,60,000 | ₹6,82,428 |
Notice how the balance nearly doubles between year 10 and year 15. That’s compounding in action. The earlier you start, the more dramatic this curve becomes.
Your PPF maturity amount depends on four things: the monthly deposit, the interest rate, the tenure, and the timing of your deposits within each month.
Getting the most from your PPF account is about discipline and timing — not just the deposit amount. A few smart habits make a real difference over 15 years.
Deposit on April 1st every year. If you can make a lump-sum deposit at the start of the financial year, the entire amount earns interest for all 12 months. Even adding ₹5,000–₹10,000 as a lump sum on top of your ₹2,000/month can noticeably boost your maturity amount.
Never miss the ₹500 minimum. Missing a year makes your account dormant. Reactivating it costs a ₹50 penalty per dormant year. Always deposit at least ₹500 annually to keep the account active.
Use PPF alongside other instruments. PPF works best as your safe, guaranteed base. Pair it with a SIP calculator to plan equity investments for higher growth, and a FD calculator for your short-term goals. Also check the PPF calculator for other deposit amounts.
Claim your Section 80C deduction. Your ₹24,000 annual PPF deposit reduces your taxable income by ₹24,000. On a ₹10L salary in the 30% tax bracket, that saves you ₹7,200 per year in taxes. Tax calculations are indicative — consult a CA for your specific situation.
A: Using the PPF calculator 2000 per month at the current interest rate of 7.1% per annum, your maturity amount after 15 years is approximately ₹6.82 lakh. Your total deposits would be ₹3.6 lakh, and the tax-free interest earned would be around ₹3.22 lakh. All returns are completely tax-free.
A: The PPF calculator 2000 per month gives a reliable estimate based on the current 7.1% rate. For retirement, the figure will change if the government revises the rate. PPF is best used as a safe, guaranteed component alongside equity investments via SIP for inflation-beating growth over 20-30 years.
A: Yes, you can deposit ₹2,000 per month in a PPF account. The minimum deposit is ₹500 per year and the maximum is ₹1.5 lakh per year. Monthly deposits of ₹2,000 total ₹24,000 annually, well within the limit. You can set up auto-debit via SBI, HDFC, or ICICI for hassle-free monthly transfers.
A: PPF deposits of ₹2,000 per month (₹24,000 per year) qualify for a full tax deduction under Section 80C of the Income Tax Act. On a ₹10L salary in the 30% tax bracket, this saves approximately ₹7,200 in taxes annually. The maturity amount and interest earned are also completely tax-free. Tax calculations are indicative — consult a CA.
A: Extending the PPF calculator 2000 per month scenario to 20 years grows your corpus to roughly ₹10.67 lakh, and to 25 years gives approximately ₹15.97 lakh. The jump after year 15 is dramatic because compounding accelerates sharply. PPF can be extended in 5-year blocks indefinitely after the initial 15-year lock-in period ends.
