Source: https://awesomecalcs.com/ppf-calculator/125000-yearly-20-years
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# ₹1,25,000/Year PPF for 20 Years

> See the maturity value, total interest, and year-by-year growth of a ₹1,25,000/year PPF account over 20 years at 7.1% interest.

Interactive calculator: https://awesomecalcs.com/ppf-calculator/125000-yearly-20-years

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## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 125000,
    "interestRate": 7.1,
    "years": 20
  }
}
```

## Frequently asked questions

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

A 20-year PPF (15 + one 5-year extension) is one of the most tax-efficient wealth-building moves in India. Extending a ₹1,25,000/year PPF from 20 to 25 years takes the maturity value from about ₹55.49 lakh to about ₹85.90 lakh, an increase of about 55% on top of just ₹6.25 lakh more in contributions. Try the PPF calculator with annual investment = ₹1,25,000 and tenure = 25 years.

### What if I max out at ₹1,50,000 a year instead of ₹1,25,000 for the same 20 years?

Increasing to the statutory maximum of ₹1,50,000/year (1.2x) for the same 20-year, 7.1% inputs takes the maturity value from about ₹55.49 lakh to about ₹66.58 lakh, also 1.2x. Try annual investment = ₹1,50,000 and tenure = 20 years on the PPF calculator to confirm.

### How does a ₹1,25,000/year PPF for 20 years compare to NPS on tax?

PPF at ₹1,25,000/year uses most of your Section 80C limit, leaving ₹25,000 for life insurance, ELSS, or other instruments. NPS gives an additional ₹50,000 deduction under 80CCD(1B) outside the 80C cap. However, NPS forces 40% of the corpus into a taxable annuity at retirement, while PPF gives you the full ₹55.49 lakh tax-free. For goals before retirement, PPF is usually more flexible and fully tax-free on exit.