What will my PPF account be worth in 15 years?
PPF runs for 15 years, pays a rate the government revises quarterly, and the interest is tax-free. Deposits qualify under Section 80C. It is slow and it is safe, and the tax treatment is what makes it hard to beat for money you genuinely will not touch.
Rs 1.5 lakh a year is the legal maximum.
7.1% for October to December 2026, set by the Ministry of Finance. It is reviewed every quarter.
15 years is the full term. It can be extended in 5-year blocks.
Maturity value
₹40,68,209
Indicative only. Your lender’s figures may differ. Nothing you enter here is sent anywhere or stored.
The yearly deposit is added at the start of each year, and the whole balance earns interest once a year, for 15 years.
Deposits are capped at ₹1.5 lakh a year. The rate is set by the government every quarter, so the real result moves with it.
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Compare interest rates and charges before you open one.
Kotak Mahindra Bank
IndusInd Bank
Equitas Small Finance Bank
DBS Bank India
Yes. PPF is one of the few EEE products in India: the deposit is deductible under 80C, the interest is untaxed, and the maturity amount is untaxed. That is why its rate should not be compared directly against a fixed deposit, where interest is taxed at your slab.
Partially. From the seventh year you may make one withdrawal per year, within limits, and loans are allowed earlier against the balance. Full closure before maturity is permitted only in specific situations such as serious illness or higher education, at a reduced rate.
Interest is calculated on the lowest balance between the 5th and the last day of each month. Depositing before the 5th of the month, or the whole year's amount before the 5th of April, earns noticeably more over 15 years than depositing in March.
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