How much will ₹50,000 a year in PPF become after 15 years?
Depositing ₹50,000 a year in PPF for 15 years at 7.1% gives ₹13.56 L. You deposit ₹7.5 L and earn ₹6.06 L in interest.
- Maturity value
- ₹13.56 L (good)
- After 15 years
- You deposit
- ₹7.5 L
- ₹50,000 × 15
- Interest earned
- ₹6.06 L (good)
- 45% of maturity
- Loss if deposited monthly
- ₹41,203 (caution)
- Versus once a year by 5 April
- Worth in today's money
- ₹5.66 L
- At 6% inflation
Open the PPF Calculator with these numbers filled in
The numbers in charts
Your deposits versus interest
- Money you deposit₹7.5 L · 55.3%
- Interest earned₹6.06 L · 44.7%
Show the numbers
| Part | Value | Share |
|---|---|---|
| Money you deposit | ₹7.5 L | 55.3% |
| Interest earned | ₹6.06 L | 44.7% |
PPF balance by year
- Money you deposit
- Interest earned
Show the numbers
| Year | Money you deposit | Interest earned | Total |
|---|---|---|---|
| 0 | ₹0 | ₹0 | ₹0 |
| 1 | ₹50,000 | ₹3,550 | ₹53,550 |
| 2 | ₹1 L | ₹10,902 | ₹1.11 L |
| 3 | ₹1.5 L | ₹22,326 | ₹1.72 L |
| 4 | ₹2 L | ₹38,111 | ₹2.38 L |
| 5 | ₹2.5 L | ₹58,567 | ₹3.09 L |
| 6 | ₹3 L | ₹84,025 | ₹3.84 L |
| 7 | ₹3.5 L | ₹1.15 L | ₹4.65 L |
| 8 | ₹4 L | ₹1.51 L | ₹5.51 L |
| 9 | ₹4.5 L | ₹1.94 L | ₹6.44 L |
| 10 | ₹5 L | ₹2.43 L | ₹7.43 L |
| 11 | ₹5.5 L | ₹3 L | ₹8.5 L |
| 12 | ₹6 L | ₹3.64 L | ₹9.64 L |
| 13 | ₹6.5 L | ₹4.36 L | ₹10.86 L |
| 14 | ₹7 L | ₹5.16 L | ₹12.16 L |
| 15 | ₹7.5 L | ₹6.06 L | ₹13.56 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 | ₹13.15 L | ₹13.56 L | — |
| Interest earned | ₹5.65 L | ₹6.06 L | — |
PPF balance year by year on ₹50,000 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 | ₹50,000 | ₹3,550 | ₹53,550 |
| 2 | ₹50,000 | ₹7,352 | ₹1,10,902 |
| 3 | ₹50,000 | ₹11,424 | ₹1,72,326 |
| 4 | ₹50,000 | ₹15,785 | ₹2,38,111 |
| 5 | ₹50,000 | ₹20,456 | ₹3,08,567 |
| 6 | ₹50,000 | ₹25,458 | ₹3,84,025 |
| 7 | ₹50,000 | ₹30,816 | ₹4,64,841 |
| 8 | ₹50,000 | ₹36,554 | ₹5,51,395 |
| 9 | ₹50,000 | ₹42,699 | ₹6,44,094 |
| 10 | ₹50,000 | ₹49,281 | ₹7,43,375 |
| 11 | ₹50,000 | ₹56,330 | ₹8,49,704 |
| 12 | ₹50,000 | ₹63,879 | ₹9,63,583 |
| 13 | ₹50,000 | ₹71,964 | ₹10,85,548 |
| 14 | ₹50,000 | ₹80,624 | ₹12,16,172 |
| 15 | ₹50,000 | ₹89,898 | ₹13,56,070 |
If the PPF rate averages something else over 15 years
PPF's rate is reset every quarter; this shows ₹50,000 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% | ₹12.88 L | ₹5.38 L | 42% |
| 7.1% | ₹13.56 L | ₹6.06 L | 45% |
| 7.5% | ₹14.04 L | ₹6.54 L | 47% |
| 8% | ₹14.66 L | ₹7.16 L | 49% |
Questions about this scenario
How much will ₹50,000 a year in PPF become after 15 years?
About ₹13.56 L at 7.1% if you deposit before 5 April each year. You put in ₹7.5 L and interest adds ₹6.06 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 ₹50,000 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 ₹50,000 once earns on the full amount for twelve months. Twelve monthly parts of ₹4,167 leave you with ₹13.15 L, which is ₹41,203 less over 15 years.
What is the interest on ₹50,000 a year in PPF after 15 years?
Total interest is about ₹6.06 L, which is 45% of the ₹13.56 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 ₹50,000 a year in PPF
Putting ₹50,000 into PPF every April for 15 years means ₹7.5 L of your own money. At 7.1% compounded yearly it becomes ₹13.56 L, so interest supplies ₹6.06 L (45%) and each rupee you deposit returns 1.81 rupees.
The first year's interest is ₹3,550, but by year 11 the interest credited in a single year (₹56,330) is larger than that year's ₹50,000 deposit. In the last year it is ₹89,898, 25.3 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 ₹4,167 in each of twelve months instead leaves you ₹41,203 lower at maturity (₹13.15 L).
After 15 years you can close the account or extend it in blocks of five years. The ₹13.56 L here is in rupees of 15 years from now; at 6% inflation it buys what ₹5.66 L buys today.
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.