Depositing ₹10,000 every year in PPF at 7.1% gives about ₹2.71 lakh (₹2,71,214) after 15 years, all tax-free. You deposit ₹1,50,000.
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 | ₹10,000 | ₹10,710 |
| 2 | ₹20,000 | ₹22,180 |
| 3 | ₹30,000 | ₹34,465 |
| 4 | ₹40,000 | ₹47,622 |
| 5 | ₹50,000 | ₹61,713 |
| 6 | ₹60,000 | ₹76,805 |
| 7 | ₹70,000 | ₹92,968 |
| 8 | ₹80,000 | ₹1,10,279 |
| 9 | ₹90,000 | ₹1,28,819 |
| 10 | ₹1,00,000 | ₹1,48,675 |
| 11 | ₹1,10,000 | ₹1,69,941 |
| 12 | ₹1,20,000 | ₹1,92,717 |
| 13 | ₹1,30,000 | ₹2,17,110 |
| 14 | ₹1,40,000 | ₹2,43,234 |
| 15 | ₹1,50,000 | ₹2,71,214 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.