Source: https://awesomecalcs.com/ppf-calculator/125000-yearly-15-years
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# ₹1,25,000/Year PPF for 15 Years

> See the maturity value, total interest, and year-by-year growth of a ₹1,25,000/year PPF account over 15 years at 7.1% interest.

Interactive calculator: https://awesomecalcs.com/ppf-calculator/125000-yearly-15-years

Keywords: ₹125000 PPF 15 years maturity, 125000 yearly PPF 15 years, PPF calculator 125000, PPF returns 15 years, public provident fund 125000, PPF tax free maturity, EEE investment PPF 125000

## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 125000,
    "interestRate": 7.1,
    "years": 15
  }
}
```

## Frequently asked questions

### What if I extend this PPF account by 5 years, to 20 years?

15 years is the standard PPF lock-in. After maturity, extend in 5-year blocks with or without contributions. Extending a ₹1,25,000/year PPF from 15 to 20 years takes the maturity value from about ₹33.90 lakh to about ₹55.49 lakh, an increase of about 64%. The extra ₹6.25 lakh in contributions generates over ₹21.59 lakh in additional value. Try the PPF calculator with annual investment = ₹1,25,000 and tenure = 20 years.

### What if I reduce contributions to ₹1,00,000 a year instead of ₹1,25,000 for the same 15 years?

Reducing the annual contribution to ₹1,00,000 (four-fifths) for the same 15-year, 7.1% inputs takes the maturity value from about ₹33.90 lakh to about ₹27.12 lakh, also four-fifths. Try annual investment = ₹1,00,000 and tenure = 15 years on the PPF calculator to confirm.

### How does a ₹1,25,000/year PPF compare to an FD on tax over 15 years?

Over 15 years you invest ₹18.75 lakh in PPF and receive about ₹33.90 lakh tax-free. The interest gain of about ₹15.15 lakh is fully exempt under the EEE framework, and each year you claim an 80C deduction. A rolling FD on the same annual amount at 7% would accumulate similar gross interest but pay tax at your slab each year, making the post-tax corpus meaningfully smaller, especially at the 20 or 30% bracket.