PPF Calculator: How a ₹1.5 Lakh Yearly Investment Can Grow into ₹1.54 Crore Tax-Free

The Public Provident Fund (PPF) remains a widely used long-term savings option for individuals seeking capital protection, predictable returns and tax efficiency. Backed by the Government of India.

With the help of an online PPF calculator, investors can estimate how regular annual contributions may grow over time, offering clarity on potential maturity values and interest accumulation.

How ₹1.5 Lakh a Year Can Become ₹1.54 Crore

• Annual investment: ₹1,50,000
• Interest rate: 7.1% per annum (compounded annually)
• Investment period: 30 years
• Total amount invested: ₹45,00,000
• Total interest earned: ₹1,09,50,911
• Maturity amount: ₹1,54,50,911

PPF Is Suitable for Long-Term Savings?

PPF benefits from annual compounding, which allows contributions to grow steadily over time. While the interest rate has remained unchanged at 7.1% for several years, the scheme continues to offer stability and predictability.

Read More:PPF Calculator: How to Build a Tax-Free ₹1 Crore Corpus with Long-Term Investing.

Conclusion

The PPF calculator demonstrates how consistent annual investments can translate into meaningful long-term wealth. With a yearly contribution of ₹1.5 lakh, investors can accumulate a tax-free corpus of over ₹1.54 crore in 30 years. Regular reviews and disciplined contributions remain key to maximising the benefits of this government-backed savings scheme.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. This does not constitute a personal recommendation/investment advice. It does not aim to influence any individual or entity to make investment decisions. Recipients should conduct their own research and assessments to form an independent opinion about investment decisions.

Investments in the securities market are subject to market risks, read all the related documents carefully before investing.