Small SavingsPPF: ₹50,000 a year for 15 years
This page shows what a PPF account holds if you put in ₹50,000 every year, in one payment by 5 April, for the full 15 years at the official rate of 7.1%. You put in ₹7,50,000 in all. The balance at the end of year 15 is ₹13,56,070, of which ₹6,06,070 is interest.
Year by year
| Year | Deposit | Interest added | Balance at year end |
|---|---|---|---|
| 1 | ₹50,000 | ₹3,550 | ₹53,550 |
| 2 | ₹50,000 | ₹7,352 | ₹1,10,902 |
| 3 | ₹50,000 | ₹11,424 | ₹1,72,326 |
| 4 | ₹50,000 | ₹15,785 | ₹2,38,111 |
| 5 | ₹50,000 | ₹20,456 | ₹3,08,567 |
| 6 | ₹50,000 | ₹25,458 | ₹3,84,025 |
| 7 | ₹50,000 | ₹30,816 | ₹4,64,841 |
| 8 | ₹50,000 | ₹36,554 | ₹5,51,395 |
| 9 | ₹50,000 | ₹42,699 | ₹6,44,094 |
| 10 | ₹50,000 | ₹49,281 | ₹7,43,375 |
| 11 | ₹50,000 | ₹56,330 | ₹8,49,705 |
| 12 | ₹50,000 | ₹63,879 | ₹9,63,584 |
| 13 | ₹50,000 | ₹71,964 | ₹10,85,548 |
| 14 | ₹50,000 | ₹80,624 | ₹12,16,172 |
| 15 | ₹50,000 | ₹89,898 | ₹13,56,070 |
What this tells you
- The interest in the last year alone is ₹89,898, more than the whole first-year interest of ₹3,550, because interest is earned on a growing balance.
- Of the final balance, 55% is your own money and 45% is interest.
- This is within the yearly limit of ₹1,50,000.
- The rate of 7.1% is the latest in the official table. It is reviewed every quarter, so the real result can differ; the calculator lets you try another rate.
Depositing monthly instead
Paying monthly by the 5th puts the money in later in the year, so it earns a little less than one yearly payment by 5 April.
Before you invest
Before you open or fund a PPF account, check three things at the post office or bank: the rate in force for the current quarter, the date by which a monthly deposit must be made to count for that month, and what happens if you miss the minimum deposit in a year. The scheme is long-term by design, so decide how much of your savings you can leave untouched for 15 years before you commit.
Common questions
How much will ₹50,000 a year in PPF become?
About ₹13,56,070 after 15 years at 7.1%, if the whole amount is paid by 5 April each year.
Is that guaranteed?
The rate is set by the government for each quarter and can change, so the final figure can be higher or lower.
Change the figures in the calculator
Sources
- Interest rates for every quarter: National Savings Institute, Ministry of Finance, "Scheme Wise Interest Rate" table (nsiindia.gov.in), read on 13 November 2026. The latest quarter shown in that table was July-September 2026; the October-December 2026 column was empty on that date.
- Minimum and maximum deposits, terms and withdrawal features: the same institute's "National Savings Schemes at a glance" page (nsiindia.gov.in), read on 13 November 2026.
- PPF interest rule: Public Provident Fund Scheme, 2019, paragraph 7, as published by the National Savings Institute (nsiindia.gov.in), read on 13 November 2026: the lowest balance between the close of the fifth day and the end of the month earns interest, at a rate per annum, and interest is credited at the end of each year. The same paragraph, as amended by G.S.R. 290(E) of 5 May 2020, fixes 7.1% a year for deposits from 1 April 2020.
- What the texts do not spell out and this site assumes: a month earns one twelfth of the yearly rate, and interest is rounded to the rupee when it is added. Sukanya Samriddhi follows the same pattern in the way we work it; the recurring deposit and time deposit figures compound every quarter, as NSI says for the time deposit; the rule texts of those schemes were not opened. Every result is an estimate and a passbook can differ by a few rupees.
Rates and limits read on 13 November 2026 from the National Savings Institute. They are set by the government for each quarter and can change; the rates shown are those of July to September 2026, so treat them as out of date after 31 December 2026 unless this page has been updated. This is arithmetic, not investment advice; check the current rate at a post office, an authorised bank or indiapost.gov.in before you invest.