Depositing ₹25,000 every year in PPF at 7.1% gives about ₹6.78 lakh (₹6,78,035) after 15 years, all tax-free. You deposit ₹3,75,000.
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 | ₹25,000 | ₹26,775 |
| 2 | ₹50,000 | ₹55,451 |
| 3 | ₹75,000 | ₹86,163 |
| 4 | ₹1,00,000 | ₹1,19,056 |
| 5 | ₹1,25,000 | ₹1,54,284 |
| 6 | ₹1,50,000 | ₹1,92,013 |
| 7 | ₹1,75,000 | ₹2,32,421 |
| 8 | ₹2,00,000 | ₹2,75,697 |
| 9 | ₹2,25,000 | ₹3,22,047 |
| 10 | ₹2,50,000 | ₹3,71,687 |
| 11 | ₹2,75,000 | ₹4,24,852 |
| 12 | ₹3,00,000 | ₹4,81,792 |
| 13 | ₹3,25,000 | ₹5,42,774 |
| 14 | ₹3,50,000 | ₹6,08,086 |
| 15 | ₹3,75,000 | ₹6,78,035 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.