Source: https://awesomecalcs.com/ppf-calculator/100000-yearly-20-years
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# ₹1,00,000/Year PPF for 20 Years

> See the maturity value, total interest, and year-by-year growth of a ₹1,00,000/year PPF account extended to 20 years at 7.1% interest.

Interactive calculator: https://awesomecalcs.com/ppf-calculator/100000-yearly-20-years

Keywords: 1 lakh yearly PPF 20 years maturity value, 100000 annual PPF 20 years returns India, PPF 1 lakh per year 20 years 44 lakh, 1 lakh PPF 20 year calculator India, 100000 PPF 20 years extended lock-in

## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 100000,
    "interestRate": 7.1,
    "years": 20
  }
}
```

## Frequently asked questions

### What if I extend this PPF account by 5 more years, to 25 years?

Extending a ₹1,00,000/year PPF account from 20 to 25 years takes the maturity value from about ₹44.39 lakh to about ₹68.72 lakh, an increase of about 55%, on top of just ₹5 lakh more in total contributions over those 5 extra years. Try the PPF calculator with annual investment = ₹1,00,000 and tenure = 25 years to see the full year-by-year table.

### What if I invest ₹1,50,000 a year instead of ₹1,00,000 for the same 20 years?

The PPF formula scales linearly with the annual contribution, so increasing it to the statutory maximum of ₹1,50,000/year (1.5x) for the same 20-year, 7.1% inputs takes the maturity value from about ₹44.39 lakh to about ₹66.58 lakh, also 1.5x. Try annual investment = ₹1,50,000 and tenure = 20 years on the PPF calculator to confirm.

### How much of this ₹1,00,000/year PPF account is interest after 20 years?

Of the roughly ₹44.39 lakh maturity value after 20 years, you contribute a total of ₹20 lakh (₹1,00,000 a year for 20 years) and the remaining roughly ₹24.39 lakh comes from compounding interest at 7.1% p.a., a gain of about 122% over the amount you contributed.