How much will ₹1.5 lakh a year in PPF become after 20 years?
Depositing ₹1.5 lakh a year in PPF for 20 years at 7.1% gives ₹66.58 L. You deposit ₹30 L and earn ₹36.58 L in interest.
- Maturity value
- ₹66.58 L (good)
- After 20 years
- You deposit
- ₹30 L
- ₹1.5 lakh × 20
- Interest earned
- ₹36.58 L (good)
- 55% of maturity
- Loss if deposited monthly
- ₹2,02,308 (caution)
- Versus once a year by 5 April
- Worth in today's money
- ₹20.76 L
- At 6% inflation
Open the PPF Calculator with these numbers filled in
The numbers in charts
Your deposits versus interest
- Money you deposit₹30 L · 45.1%
- Interest earned₹36.58 L · 54.9%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Money you deposit | ₹30 L | 45.1% |
| Interest earned | ₹36.58 L | 54.9% |
PPF balance by year
- Money you deposit
- Interest earned
Show the numbers
| Year | Money you deposit | Interest earned | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹1.5 L | ₹10,650 | ₹1.61 L |
| 2 | ₹3 L | ₹32,706 | ₹3.33 L |
| 3 | ₹4.5 L | ₹66,978 | ₹5.17 L |
| 4 | ₹6 L | ₹1.14 L | ₹7.14 L |
| 5 | ₹7.5 L | ₹1.76 L | ₹9.26 L |
| 6 | ₹9 L | ₹2.52 L | ₹11.52 L |
| 7 | ₹10.5 L | ₹3.45 L | ₹13.95 L |
| 8 | ₹12 L | ₹4.54 L | ₹16.54 L |
| 9 | ₹13.5 L | ₹5.82 L | ₹19.32 L |
| 10 | ₹15 L | ₹7.3 L | ₹22.3 L |
| 11 | ₹16.5 L | ₹8.99 L | ₹25.49 L |
| 12 | ₹18 L | ₹10.91 L | ₹28.91 L |
| 13 | ₹19.5 L | ₹13.07 L | ₹32.57 L |
| 14 | ₹21 L | ₹15.49 L | ₹36.49 L |
| 15 | ₹22.5 L | ₹18.18 L | ₹40.68 L |
| 16 | ₹24 L | ₹21.18 L | ₹45.18 L |
| 17 | ₹25.5 L | ₹24.49 L | ₹49.99 L |
| 18 | ₹27 L | ₹28.15 L | ₹55.15 L |
| 19 | ₹28.5 L | ₹32.17 L | ₹60.67 L |
| 20 | ₹30 L | ₹36.58 L | ₹66.58 L |
PPF: deposit once in April or in 12 parts
- Monthly, by the 5th
- Once a year, by 5 April
Show the numbers
| Measure | Monthly, by the 5th | Once a year, by 5 April | Difference |
|---|---|---|---|
| Maturity value | ₹64.56 L | ₹66.58 L | — |
| Interest earned | ₹34.56 L | ₹36.58 L | — |
PPF balance year by year on ₹1.5 lakh a year
Interest is credited each 31 March; from year 11 the interest earned in a year is bigger than the deposit itself.
| Year | Deposit | Interest credited | Balance |
|---|---|---|---|
| 1 | ₹1,50,000 | ₹10,650 | ₹1,60,650 |
| 2 | ₹1,50,000 | ₹22,056 | ₹3,32,706 |
| 3 | ₹1,50,000 | ₹34,272 | ₹5,16,978 |
| 4 | ₹1,50,000 | ₹47,355 | ₹7,14,334 |
| 5 | ₹1,50,000 | ₹61,368 | ₹9,25,701 |
| 7 | ₹1,50,000 | ₹92,447 | ₹13,94,524 |
| 10 | ₹1,50,000 | ₹1,47,842 | ₹22,30,124 |
| 12 | ₹1,50,000 | ₹1,91,637 | ₹28,90,750 |
| 14 | ₹1,50,000 | ₹2,41,872 | ₹36,48,515 |
| 15 | ₹1,50,000 | ₹2,69,695 | ₹40,68,209 |
| 16 | ₹1,50,000 | ₹2,99,493 | ₹45,17,702 |
| 18 | ₹1,50,000 | ₹3,65,587 | ₹55,14,696 |
| 20 | ₹1,50,000 | ₹4,41,399 | ₹66,58,288 |
If the PPF rate averages something else over 20 years
PPF's rate is reset every quarter; this shows ₹1.5 lakh a year at a few averages, with the current 7.1% highlighted.
| Average PPF rate | Maturity value | Interest earned | Interest share of maturity |
|---|---|---|---|
| 6.5% | ₹62.02 L | ₹32.02 L | 52% |
| 7.1% | ₹66.58 L | ₹36.58 L | 55% |
| 7.5% | ₹69.83 L | ₹39.83 L | 57% |
| 8% | ₹74.13 L | ₹44.13 L | 60% |
Questions about this scenario
How much will ₹1.5 lakh a year in PPF become after 20 years?
About ₹66.58 L at 7.1% if you deposit before 5 April each year. You put in ₹30 L and interest adds ₹36.58 L. The rate changes every quarter, so the real figure may differ, and deposits above the yearly cap earn no interest.
Is it better to deposit ₹1.5 lakh in PPF once a year or monthly?
Once a year, before 5 April, because interest is calculated on the lowest balance between the 5th and month end. Depositing ₹1.5 lakh once earns on the full amount for twelve months. Twelve monthly parts of ₹12,500 leave you with ₹64.56 L, which is ₹2,02,308 less over 20 years.
What is the interest on ₹1.5 lakh a year in PPF after 20 years?
Total interest is about ₹36.58 L, which is 55% of the ₹66.58 L maturity value. From year 11 the yearly interest exceeds the yearly deposit. PPF interest is credited every 31 March and is added to the balance, which then earns interest itself.
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What the numbers say about ₹1.5 lakh a year in PPF
Putting ₹1.5 lakh into PPF every April for 20 years means ₹30 L of your own money. At 7.1% compounded yearly it becomes ₹66.58 L, so interest supplies ₹36.58 L (55%) and each rupee you deposit returns 2.22 rupees.
The first year's interest is ₹10,650, but by year 11 the interest credited in a single year (₹1,68,989) is larger than that year's ₹1.5 lakh deposit. In the last year it is ₹4,41,399, 41.4 times the first year's, which is why staying invested to the end matters more than any single deposit.
Timing inside the year changes the result. Depositing the full amount before 5 April earns interest on all of it for twelve months; paying ₹12,500 in each of twelve months instead leaves you ₹2,02,308 lower at maturity (₹64.56 L).
The standard term is 15 years, when the balance is ₹40.68 L. Extending by 5 years with continued deposits adds ₹25.9 L more, because the balance keeps compounding on top of the new deposits.
The PPF rate is notified every quarter and can move up or down; these figures use the rate for Q3 FY2026-27 (1 Oct 2026 – 31 Dec 2026), so treat the maturity value as an estimate. Check the current scheme rules for deposit limits and tax treatment.