PPF calculator: ₹1,000, ₹5,000 or ₹10,000 monthly investment can build this corpus in 15 years

The Public Provident Fund (PPF) is a savings option for investors seeking government-backed, tax-efficient returns. The most important question remains: How much can regular monthly contributions in PPF grow over 15 years? Can even modest monthly investments at the current PPF interest rate of 7.1% build a meaningful corpus over time?

For example, investing ₹ 1,000 a month over a 15-year horizon can grow to about ₹ 3.25 lakh, whereas a ₹ 5,000 monthly contribution can grow to about ₹ 16.27 lakh. This is based on the assumption that the interest rates remain unchanged throughout the investment period.

The government has retained 7.1% interest rate for PPF investments for the July-September 2026 quarter. PPF rates, along with those of other small savings schemes, are reviewed periodically; therefore, investors should not assume the same rate will apply to new PPF investments over the 15 years.

For investments of ₹ 1,000, ₹ 5,000 and ₹ 10,000, assuming a constant rate of 7.1% and monthly deposits, the estimated figures are shown below.

The salient features of PPF investments and their associated factors are as follows:

Another key aspect of Public Provident Fund (PPF) investments is their tax treatment. Eligible contributions qualify for deductions under Section 80C, subject to applicable tax laws and regulations. Interest earned on PPF accounts is tax‑free under prevailing provisions. In addition, loans and partial withdrawals are permitted, subject to scheme conditions.

Therefore, at 7.1%, a ₹ 1,000 monthly investment can grow to roughly ₹ 3.25 lakh, whereas a ₹ 10,000 monthly investment can grow to ₹ 32.55 lakh over 15 years.

To ensure long-term economic growth, investors should understand the basic features of such small savings schemes and consult certified financial advisors before investing.

Disclaimer: These figures are illustrative and assume a constant 7.1% interest rate. Actual returns may vary as PPF rates are subject to government revision. Tax benefits are subject to prevailing laws.

Shivam writes on personal finance, equity markets, and mutual funds. He has previously contributed to several leading publications, including Moneycontrol. He can be reached at shivam.shukla@htdigital.in

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