PPF Calculator for ₹1 Lakh/year — 15 Years Returns
Your yearly investment of ₹1 Lakh/year at 7.1% for 15 Years grows to ₹27.12 L.
Maturity Value
₹27.12 L
Total Invested
₹15.00 L
Est. Returns
₹12.12 L
Wealth Gain
80.8%
Breakdown
Invested: ₹15.00 L (55%)
Returns: ₹12.12 L (45%)
📊 Interactive Growth Analysis
Invested vs Returns
Wealth Growth Over Time
Scenario Comparison
| Metric | Your plan | +2% Returns (9.1%) | +5 Years (20yr) |
|---|---|---|---|
| Total Invested | ₹15.00 L | ₹15.00 L | ₹20.00 L |
| Maturity Value | ₹27.12 L | ₹32.29 L ↑ ₹5.16 L | ₹44.39 L ↑ ₹17.27 L |
| Est. Returns | ₹12.12 L | ₹17.29 L | ₹24.39 L |
💡 Understanding PPF Returns on ₹1 Lakh/year
Investing ₹1 Lakh/year in PPF at 7.1% annual compounding builds a tax-free corpus of ₹27.12 L over 15 Years. Your total investment of ₹15.00 L generates ₹12.12 L in completely tax-free returns. PPF enjoys EEE (Exempt-Exempt-Exempt) status — contributions qualify for Section 80C, interest is tax-free, and maturity is also tax-free.
At this investment level, you are close to the maximum PPF limit of ₹1,50,000/year. Invest the full limit if possible — the marginal benefit of each additional rupee invested in PPF is extremely high due to tax-free compounding. Always deposit before April 5th of each month to earn interest for the full month. Delaying deposits by even a few days costs you compounding interest.