Depositing ₹50,000 every year in PPF at 7.1% gives about ₹13.6 lakh (₹13,56,070) after 15 years, all tax-free. You deposit ₹7,50,000.
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 | ₹50,000 | ₹53,550 |
| 2 | ₹1,00,000 | ₹1,10,902 |
| 3 | ₹1,50,000 | ₹1,72,326 |
| 4 | ₹2,00,000 | ₹2,38,111 |
| 5 | ₹2,50,000 | ₹3,08,567 |
| 6 | ₹3,00,000 | ₹3,84,025 |
| 7 | ₹3,50,000 | ₹4,64,841 |
| 8 | ₹4,00,000 | ₹5,51,395 |
| 9 | ₹4,50,000 | ₹6,44,094 |
| 10 | ₹5,00,000 | ₹7,43,375 |
| 11 | ₹5,50,000 | ₹8,49,704 |
| 12 | ₹6,00,000 | ₹9,63,583 |
| 13 | ₹6,50,000 | ₹10,85,548 |
| 14 | ₹7,00,000 | ₹12,16,172 |
| 15 | ₹7,50,000 | ₹13,56,070 |
Rates used: October–December 2026 where a government rate applies. Results are estimates.