PPF Calculation: How much can you earn in 15 years?

Looking for a safe and reliable way to build your retirement fund? The Public Provident Fund (PPF) is a popular investment choice backed by the government. With a fixed interest rate of 7.1%, tax benefits, and a 15-year lock-in period, it offers a secure path to long-term wealth creation.

But how much can you accumulate in 15 years if you invest Rs 4,000, Rs 8,000, or Rs 12,000 per month in a Post Office PPF account? Let’s break it down.

PPF Investment Growth Over 15 Years

Investment: Rs 4,000 per month

Annual Contribution: Rs 48,000

Total Investment (15 years): Rs 7,20,000

Estimated Interest Earned: Rs 5,81,827

Total Maturity Amount: Rs 13,01,827

Investment: Rs 8,000 per month

Annual Contribution: Rs 96,000

Total Investment (15 years): Rs 14,40,000

Estimated Interest Earned: Rs 11,63,654

Total Maturity Amount: Rs 26,03,654

Investment: Rs 12,000 per month

Annual Contribution: Rs 1,44,000

Total Investment (15 years): Rs 21,60,000

Estimated Interest Earned: Rs 17,45,481

Total Maturity Amount: Rs 39,05,481

PPF Account: Bank vs. Post Office – Which is Better?

You can open a PPF account in either a bank or a post office—both follow the same rules and offer identical benefits.

Who Can Open a PPF Account?

✅ Resident Indian Adults

✅ Guardians for Minors (Only one PPF account per person is allowed)

PPF Deposit Rules

Minimum Investment: Rs 500 per year

Maximum Investment: Rs 1.5 lakh per year (combined for all PPF accounts under one name)

What Happens After 15 Years?

Once your PPF account matures, you have three options:

1️⃣ Withdraw the full amount

2️⃣ Keep earning interest without further deposits

3️⃣ Extend the account in 5-year blocks

PPF Withdrawal Rules

Allowed after 5 years, but only once per financial year

The maximum withdrawal amount is 50% of the balance at the end of the fourth preceding year or the previous year—whichever is lower

Final Thoughts

PPF is a risk-free investment with guaranteed returns and tax benefits. Whether you start with Rs 4,000, Rs 8,000, or Rs 12,000 per month, your savings can grow substantially over 15 years. If you’re planning for the future, this could be a smart financial move!

Disclaimer: The above calculations are estimates. Please consult a financial advisor for personalized investment advice.