PPF Calculator for ₹1,000 per Month
Investing ₹1,000 a month (₹12,000 a year) in a PPF account grows to ₹3,25,455 after the 15-year lock-in at the current 7.1% rate — of which ₹1,45,455 is tax-free interest on ₹1,80,000 invested. PPF enjoys EEE status: the deposit, the interest and the maturity are all tax-free.
Last updated: 2026-06-03
Total invested
₹1,80,000
₹1,000/mo over 15 years
Interest earned
₹1,45,455
at 7.1% p.a. — fully tax-free
Maturity value
₹3,25,455
after 15 years
₹1,000/month PPF — by tenure
| Tenure | Invested | Maturity |
|---|---|---|
| 15 years (minimum) | ₹1,80,000 | ₹3,25,455 |
| 20 years | ₹2,40,000 | ₹5,32,660 |
| 25 years | ₹3,00,000 | ₹8,24,638 |
| 30 years | ₹3,60,000 | ₹12,36,068 |
PPF can be extended indefinitely in 5-year blocks after the initial 15 years, with or without further deposits.
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Important: This calculator provides estimates based on the inputs and assumptions you provide. Results are mathematical projections, not financial advice or recommendations. Actual outcomes will vary based on market conditions, policy changes, individual circumstances, and factors not captured by this tool. Verify all figures independently and consult qualified professionals before making financial decisions.
Founding Partner, Tykhe Ventures · Founder, Kompella Technologies
Founding Partner at Tykhe Ventures ($20M AUM, early-stage investing) and Founder of Kompella Technologies, which provides fractional CTO/CPO services to funded startups. NISM XIX-C certified. Built RupayWise because the financial tools available in India were either oversimplified or designed to sell you a product — not help you decide.
How PPF builds ₹3.25 L from ₹1,000 a month
The Public Provident Fund compounds annually at a rate the Ministry of Finance reviews every quarter (currently 7.1% for April–June 2026, unchanged since April 2020). Because contributions, interest and maturity are all tax-free, the 7.1% headline rate is also your post-tax return — equivalent to roughly 10.1% from a taxable fixed deposit for someone in the 30% slab.
Key PPF rules
- Limit: ₹500 minimum to ₹1,50,000 maximum per financial year.
- Lock-in: 15 years, then extendable in 5-year blocks.
- Partial withdrawal: allowed from the 7th year (up to 50% of the balance at the end of the 4th preceding year).
- Loan facility: available between years 3 and 6.
- Tax: 80C deduction on deposits; EEE — fully tax-free throughout.
Frequently Asked Questions — ₹1,000/month
How much will ₹1,000 per month in PPF grow to?
Investing ₹1,000 a month (₹12,000 a year) in PPF for the full 15-year term grows to ₹3,25,455 at the current 7.1% rate. You contribute ₹1,80,000 in total and earn ₹1,45,455 as tax-free interest. Extending the account in 5-year blocks grows it further — see the tenure table above.
Is ₹1,000 a month within the PPF deposit limit?
Yes. ₹1,000 a month is ₹12,000 a year, comfortably within the ₹1,50,000 annual PPF limit (minimum ₹500/year). You can deposit in up to 12 instalments a year or as a lump sum.
Can I deposit ₹1,000 monthly, or does PPF need a yearly deposit?
PPF allows up to 12 deposits in a financial year, so a monthly ₹1,000 standing instruction is perfectly valid. To maximise interest, deposit before the 5th of each month — PPF interest is calculated on the lowest balance between the 5th and the last day of the month. Depositing the full year's amount before 5 April earns the most interest.
Is the maturity from ₹1,000/month PPF taxable?
No. PPF has Exempt-Exempt-Exempt (EEE) tax status. Your deposits qualify for an 80C deduction (up to ₹1.5 lakh), the 7.1% interest is tax-free, and the full ₹3,25,455 maturity is tax-free in your hands. It is one of the few fully tax-free fixed-income options in India.
PPF for Other Amounts
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Disclaimer
Figures are computed by RupayWise's tested calculation engine using the official 7.1% rate for Q1 FY2026-27 (1 Apr–30 Jun 2026), assuming the full annual amount is credited at the start of each year and the rate holds for the entire term. Small-savings rates are reviewed quarterly by the Ministry of Finance, so your actual maturity will change if the rate is revised. Educational information, not financial advice.