PPF Calculator: How a Monthly ₹10,000 Investment Can Grow into ₹32.5 Lakh Tax-Free

The Public Provident Fund (PPF) continues to be one of India’s most trustworthy long-term saving schemes, especially for risk-averse investors and salaried individuals looking to secure their financial future. 

Backed by the Government of India, PPF offers stable returns, complete capital protection, and tax-free maturity benefits making it ideal for disciplined savings.

And when you plug your details into a PPF calculator, the projected maturity values become even clearer—just like the example shown below.

How ₹10,000 Monthly Becomes ₹32.5 Lakh?

By investing ₹10,000 every month (₹1.2 lakh per year) at the current 7.1% interest rate, your PPF balance grows steadily due to annual compounding.

Over 15 years, your total investment of ₹18 lakh grows to a maturity value of ₹32,54,567. This includes ₹14,54,567 earned purely as interest—and the entire amount remains 100% tax-free.

Why PPF Works So Well?

PPF earns interest through annual compounding, allowing your money to grow more efficiently with time. Even though the interest rate has remained at 7.1% since April 2020, the combination of safety, steady returns, and EEE tax status ensures strong long-term value.

The EEE (Exempt-Exempt-Exempt) benefit means:

• Your yearly deposits are eligible for tax deduction under Section 80C
• The interest earned is tax-free
• The final maturity amount is also tax-free

This makes PPF one of the safest and most tax-efficient tools for long-term savings.

15-Year PPF Growth Breakdown

Here’s how your corpus builds over 15 years with a ₹10,000 monthly investment:

• Total investment: ₹18,00,000
• Maturity amount: ₹32,54,567
• Total interest earned: ₹14,54,567 (fully tax-free)

Read More: PPF Calculator: How to Build a Tax-Free ₹41 Lakh Corpus with Just ₹12,500 Monthly.

Conclusion

PPF remains one of India’s most secure and reliable long-term investment schemes. By investing ₹10,000 per month, you can build a tax-free wealth corpus of over ₹32.5 lakh in 15 years.

Disclaimer: This blog has been written exclusively for educational purposes. The securities mentioned are only examples and not recommendations. It is based on several secondary sources on the internet and is subject to changes. 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.