PPF Calculator for ₹2,500 per Month
Investing ₹2,500 a month (₹30,000 a year) in a PPF account grows to ₹8,13,638 after the 15-year lock-in at the current 7.1% rate — of which ₹3,63,638 is tax-free interest on ₹4,50,000 invested. PPF enjoys EEE status: the deposit, the interest and the maturity are all tax-free.
Last updated: 2026-06-03
Total invested
₹4,50,000
₹2,500/mo over 15 years
Interest earned
₹3,63,638
at 7.1% p.a. — fully tax-free
Maturity value
₹8,13,638
after 15 years
₹2,500/month PPF — by tenure
| Tenure | Invested | Maturity |
|---|---|---|
| 15 years (minimum) | ₹4,50,000 | ₹8,13,638 |
| 20 years | ₹6,00,000 | ₹13,31,651 |
| 25 years | ₹7,50,000 | ₹20,61,594 |
| 30 years | ₹9,00,000 | ₹30,90,169 |
PPF can be extended indefinitely in 5-year blocks after the initial 15 years, with or without further deposits.
Found an error?
Help us keep calculations accurate. Report any issues you find.
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 ₹8.14 L from ₹2,500 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 — ₹2,500/month
How much will ₹2,500 per month in PPF grow to?
Investing ₹2,500 a month (₹30,000 a year) in PPF for the full 15-year term grows to ₹8,13,638 at the current 7.1% rate. You contribute ₹4,50,000 in total and earn ₹3,63,638 as tax-free interest. Extending the account in 5-year blocks grows it further — see the tenure table above.
Is ₹2,500 a month within the PPF deposit limit?
Yes. ₹2,500 a month is ₹30,000 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 ₹2,500 monthly, or does PPF need a yearly deposit?
PPF allows up to 12 deposits in a financial year, so a monthly ₹2,500 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 ₹2,500/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 ₹8,13,638 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
Related Resources
Calculators
- SSY — Calculate Sukanya Samriddhi Yojana maturity at 8.2% interest with EEE tax benefits, 50% partial withdrawal at 18, and year-by-year balance chart.
- FD Calculator — Calculate FD maturity amount with yearly, half-yearly, quarterly, or monthly compounding.
- NPS — Calculate NPS Tier 1 corpus at retirement, monthly pension from annuity, tax-free lumpsum (60%), and tax savings under 80CCD(1B).
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.