₹5,000 Per Month PPF Calculator — 15 Year Corpus
Calculate 15-year maturity for ₹5,000 monthly PPF contribution at 7.1% — ₹16,27,284 tax-free. Rate × tenure comparison included.
Contributing ₹5,000 a month to your PPF account at the current 7.1% rate combines three tax benefits: the deposit is deductible under Section 80C, the interest is tax-free, and the maturity is tax-free too — a combination available in very few other Indian instruments. At 7.1% per annum with annual compounding, a ₹5,000 monthly contribution (₹60,000 annually) over the mandatory 15-year PPF lock-in grows to about ₹16,27,284, with ₹7,27,284 earned as fully tax-free interest. PPF accounts can be extended in blocks of 5 years after maturity, and the extended blocks retain the EEE tax status — making PPF one of the most efficient long-duration compounding vehicles available to Indian salaried investors. Contributions must be deposited before the 5th of every month to count for that month's interest calculation — a small detail that materially affects the final corpus over 15+ years. The calculator is pre-filled at ₹5,000 per month — change the rate to model any future rate revision by the Ministry of Finance.
What is the maturity of a ₹5,000 per month PPF?
At 7.1% per annum, a ₹5,000 monthly PPF contribution (₹60,000 annually) matures to approximately ₹16,27,284 after the 15-year lock-in. Extending by two 5-year blocks (25 years total) grows this to ₹41,23,206 — all tax-free.
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PPF Maturity at Different Rates and Tenures
PPF maturity at different rates and tenures for ₹5,000/month contribution
| Rate ↓ / Years → | 15 yrs | 20 yrs | 25 yrs | 30 yrs | 35 yrs |
|---|---|---|---|---|---|
| 7% | ₹16,13,283 | ₹26,31,911 | ₹40,60,588 | ₹60,64,382 | ₹88,74,808 |
| 7.1% | ₹16,27,284 | ₹26,63,315 | ₹41,23,206 | ₹61,80,364 | ₹90,79,143 |
| 7.5% | ₹16,84,635 | ₹27,93,152 | ₹43,84,572 | ₹66,69,261 | ₹99,49,229 |
| 8% | ₹17,59,457 | ₹29,65,375 | ₹47,37,265 | ₹73,40,752 | ₹1,11,66,129 |
| 8.5% | ₹18,37,921 | ₹31,49,344 | ₹51,21,273 | ₹80,86,379 | ₹1,25,44,879 |
Understanding Your Investment Returns
This calculator projects your returns using compound interest, where your earnings generate their own earnings over time. The power of compounding means that even small regular investments can grow into substantial wealth over long periods. For example, investing just Rs 5,000 per month at 12% expected returns for 25 years can grow to over Rs 1 crore — of which only Rs 15 lakh is your own money and Rs 85 lakh is compounding returns. The key factors that determine your final corpus are: the amount invested, the rate of return, the duration of investment, and the frequency of compounding.
Important Considerations
Past returns do not guarantee future performance, especially for market-linked instruments like mutual funds and equities. The returns shown are estimates based on the rate you enter. Equity investments carry market risk but have historically delivered 12-15% CAGR over 15+ year periods in India. Fixed income options like PPF (7.1%) and FD (6-7.5%) offer lower but more predictable returns. Diversifying across asset classes — equity, debt, gold, and real estate — reduces overall portfolio risk while optimizing returns for your risk tolerance.
Key Information
| Parameter | Details |
|---|---|
| Monthly Contribution | ₹5,000 |
| Annual Contribution | ₹60,000 |
| Maturity (15 yrs) | ₹16,27,284 |
| Interest Earned (tax-free) | ₹7,27,284 |
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Use Calculator NowFrequently Asked Questions
What is the maturity of a ₹5,000 per month PPF?
At 7.1% per annum, a ₹5,000 monthly PPF contribution (₹60,000 annually) matures to approximately ₹16,27,284 after the 15-year lock-in. Extending by two 5-year blocks (25 years total) grows this to ₹41,23,206 — all tax-free.
Is a ₹5,000 per month PPF contribution enough for tax saving?
Annual contribution of ₹60,000 partially uses the ₹1.5 lakh Section 80C ceiling under the old tax regime. To fully exhaust 80C you can add ₹90,000 annually via ELSS, EPF top-up, life insurance premium, or repayment of home-loan principal.
Can I withdraw from a ₹5,000 per month PPF before 15 years?
Partial withdrawal is permitted from the 7th financial year — up to 50% of the balance at the end of the 4th preceding year. For a ₹5,000 monthly PPF, this is a small but useful liquidity window for emergencies. Loans against balance are also available from years 3–6 at a modest spread over the PPF rate.
Should I invest ₹5,000 per month in PPF or ELSS?
PPF pays 7.1% tax-free and is debt-like (no market risk). ELSS aims for 12–14% CAGR with a 3-year lock-in but is fully equity. For a ₹5,000 monthly allocation, a common split is 50/50 — PPF for stability, ELSS for growth — capped within the ₹1.5 lakh 80C ceiling.
Does PPF rate change affect my ₹5,000 monthly contribution?
Yes. The Ministry of Finance revises PPF rates quarterly. Every past deposit earns interest at the rate in force during each quarter. A 50 bps rate cut on your ₹5,000 monthly PPF over 15 years reduces the final corpus by roughly ₹68,692 — meaningful but not catastrophic.
What is compound interest and why does it matter?
Compound interest means you earn interest on your interest, not just your principal. Over long periods, this creates exponential growth — even small regular investments can grow into substantial wealth over 15-25 years.
Is SIP better than lumpsum investment?
SIP invests a fixed amount monthly, averaging out market volatility through rupee cost averaging. Lumpsum works better when markets are low. For most investors, SIP builds discipline and removes the need to time the market.
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Last updated: March 2026