Depositing ₹1,00,000 every year in PPF at 7.1% gives about ₹27.1 lakh (₹27,12,139) after 15 years, all tax-free. You deposit ₹15,00,000.
PPF interest is worked out on the lowest balance between the 5th and the end of each month. Depositing the full year's amount by 5 April earns interest for all 12 months.
| Year | You put in | Balance |
|---|---|---|
| 1 | ₹1,00,000 | ₹1,07,100 |
| 2 | ₹2,00,000 | ₹2,21,804 |
| 3 | ₹3,00,000 | ₹3,44,652 |
| 4 | ₹4,00,000 | ₹4,76,222 |
| 5 | ₹5,00,000 | ₹6,17,134 |
| 6 | ₹6,00,000 | ₹7,68,051 |
| 7 | ₹7,00,000 | ₹9,29,682 |
| 8 | ₹8,00,000 | ₹11,02,790 |
| 9 | ₹9,00,000 | ₹12,88,188 |
| 10 | ₹10,00,000 | ₹14,86,749 |
| 11 | ₹11,00,000 | ₹16,99,409 |
| 12 | ₹12,00,000 | ₹19,27,167 |
| 13 | ₹13,00,000 | ₹21,71,095 |
| 14 | ₹14,00,000 | ₹24,32,343 |
| 15 | ₹15,00,000 | ₹27,12,139 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.