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 yearly investment tool shows you exactly how much your Public Provident Fund will grow — year by year — based on how much you deposit annually. Enter your yearly amount, and the calculator does the math in seconds. Try the free PPF Calculator above to see your personal numbers right now.
A PPF yearly investment is the annual amount you deposit into your Public Provident Fund account — anywhere between ₹500 and ₹1,50,000 per financial year — to build a long-term, government-backed, tax-free corpus.
PPF — short for Public Provident Fund — is one of India’s most trusted savings schemes. It is backed by the Government of India and currently earns 7.1% per annum, compounded annually. The rate is reviewed quarterly by the government, as per RBI guidelines.
The lock-in period is 15 years. But here’s the real reason people love it — every rupee you invest, every rupee of interest you earn, and the full maturity amount are all tax-free. That’s the famous EEE status: Exempt-Exempt-Exempt.
You can open a PPF account at SBI, HDFC Bank, ICICI Bank, post offices, or most public sector banks. Under Section 80C of the Income Tax Act, your yearly PPF investment (up to ₹1.5 lakh) qualifies for a tax deduction too. For FY2025-26, this deduction remains unchanged at ₹1,50,000 per year.
PPF interest is calculated on the lowest balance between the 5th and last day of each month — so always deposit before the 5th to earn interest for that month. The total interest for all 12 months is credited to your account at the end of the financial year.
📐 Formula: PPF Maturity Amount = P × [((1 + r)^n − 1) / r] × (1 + r)
Where: P = yearly investment amount | r = annual interest rate (7.1% = 0.071) | n = number of years (minimum 15)
Because interest compounds annually on a growing balance, even a modest ppf calculator yearly investment of ₹50,000 per year becomes a significant corpus over 15 years. The power of compounding really kicks in after year 10 — the last five years add more to your corpus than the first ten combined.
The PPF Calculator above makes it effortless. No formulas, no spreadsheets. Just three inputs and you get your full projection instantly.
Here are three ready-made results from the PPF calculator yearly investment tool — at 7.1% p.a. over 15 years. These cover the most common investment amounts Indian earners choose.
| Yearly (₹) | Invested (₹) | Interest (₹) | Maturity (₹) |
|---|---|---|---|
| 50,000 | 7,50,000 | 6,06,276 | 13,56,276 |
| 1,00,000 | 15,00,000 | 12,12,552 | 27,12,552 |
| 1,50,000 | 22,50,000 | 18,18,209 | 40,68,209 |
As you can see, the ppf calculator yearly investment at the maximum ₹1.5 lakh per year generates over ₹18 lakh of completely tax-free interest over 15 years. That’s money the taxman cannot touch — under Section 10(11) of the Income Tax Act.
Watching your PPF grow year by year makes the compounding effect very real. Here’s a snapshot of how ₹1,50,000 per year builds up at 7.1% p.a. — notice how the corpus jumps sharply in the later years.
| Year | Deposited (₹) | Balance (₹) |
|---|---|---|
| 1 | 1,50,000 | 1,60,650 |
| 3 | 4,50,000 | 5,09,472 |
| 5 | 7,50,000 | 8,95,926 |
| 10 | 15,00,000 | 21,04,284 |
| 15 | 22,50,000 | 40,68,209 |
Between year 10 and year 15, your PPF balance nearly doubles — from ₹21 lakh to over ₹40 lakh. That’s the compounding snowball at work. Use the PPF Calculator above to see your own year-by-year numbers.
Your final PPF maturity amount depends on more than just how much you invest. Four main factors shape your returns — and understanding them helps you plan smarter.
A few smart habits can make your ppf calculator yearly investment results look a lot better over time.
Deposit in April, not March. Always put your yearly PPF amount in at the start of the financial year — ideally April 1–5. This one habit earns you an extra month’s interest every single year. Over 15 years, that difference compounds to thousands of rupees.
Invest the full ₹1.5 lakh. Even if you can’t do it in one shot, set up a monthly SIP-style deposit of ₹12,500. This maxes out your Section 80C deduction and your PPF interest simultaneously. Check your SIP calculator to coordinate your investments efficiently.
Extend after maturity. Don’t withdraw at 15 years if you don’t need the money. Extend with deposits in 5-year blocks. Your corpus is already large — compounding on a bigger base means faster growth. Use our PPF calculator to model extended tenure scenarios.
Combine with other 80C tools. PPF is great, but ₹1.5 lakh fills your entire 80C bucket. If you want more tax-saving investment options, explore our tax saving calculator to see ELSS, NSC, and other options side by side.
Tax calculations are indicative. Consult a CA for your specific situation.
A: The maximum PPF yearly investment allowed per financial year is ₹1,50,000. Any amount deposited beyond this limit does not earn interest and is not eligible for a Section 80C tax deduction. The minimum yearly deposit to keep the account active is ₹500.
A: The PPF calculator yearly investment tool uses the standard PPF formula — P × [((1 + r)^n − 1) / r] × (1 + r) — where P is your annual deposit, r is 7.1% (current rate), and n is the number of years. Interest compounds annually, and the calculator shows total invested, interest earned, and maturity value instantly.
A: No — PPF interest is completely tax-free under Section 10(11) of the Income Tax Act. PPF has EEE (Exempt-Exempt-Exempt) status, meaning your yearly deposits get a Section 80C deduction, the interest earned is tax-free, and the maturity amount is also 100% exempt from income tax.
A: Yes, absolutely. A PPF calculator yearly investment tool is ideal for retirement planning. A 25-year-old investing ₹1,50,000 per year until age 55 (30 years) would accumulate approximately ₹1.54 crore at 7.1% p.a. — entirely tax-free. You can model this using the calculator above with a 30-year duration.
A: The best time to make your PPF yearly investment is between April 1st and April 5th. PPF interest is calculated on the lowest balance between the 5th and last day of each month. Depositing before the 5th of April ensures you earn interest for all 12 months of the financial year on your full deposit — maximizing your annual gains.
