PPF Maturity Table India

How to Read the PPF Table

This pre-computed PPF maturity table is designed for quick reference without entering any details. The first column shows the annual deposit amount, ranging from Rs 500 to Rs 1,50,000 (the maximum allowed under PPF rules). Each subsequent column pair shows the total maturity value and interest earned for a specific tenure: 15 years (the minimum PPF lock-in period), 20 years, 25 years, and 30 years.

To find your maturity value: (1) Locate your planned annual deposit in the first column, (2) Read across to the tenure you are planning for, (3) The maturity value shows the total amount you will receive, including your deposits and compound interest. All calculations assume the current PPF interest rate of 7.1% per annum, compounded annually as per Government of India norms.

Why Use a Pre-computed PPF Table?

PPF is one of India's most popular long-term savings instruments, offering guaranteed returns with tax benefits under Section 80C. While PPF calculators require you to input values each time, a pre-computed table lets you instantly compare maturity values across different deposit amounts and tenures. This is especially useful when planning how much to invest annually to reach a specific financial goal.

The table reveals the power of compound interest over longer tenures. For example, investing Rs 1,50,000 annually for 15 years yields a maturity value significantly lower than the same annual deposit held for 30 years, because interest compounds on a much larger accumulated balance in later years. This insight helps investors understand why starting early and extending the PPF tenure through 5-year blocks can substantially increase their retirement corpus.

You can export the entire table as a CSV file for offline planning or to share with your financial advisor. The exported file includes JumpTools branding and a source URL for reference.