Source: https://awesomecalcs.com/ppf-calculator/150000-yearly-20-years
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# ₹1,50,000/Year PPF for 20 Years

> See the maturity value, total interest, and year-by-year growth of a ₹1,50,000/year PPF account over 20 years at 7.1% interest.

Interactive calculator: https://awesomecalcs.com/ppf-calculator/150000-yearly-20-years

Keywords: ₹150000 PPF 20 years maturity, 150000 yearly PPF 20 years, PPF calculator 150000, PPF returns 20 years, public provident fund 150000, PPF tax free maturity, EEE investment PPF 150000

## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 150000,
    "interestRate": 7.1,
    "years": 20
  }
}
```

## Frequently asked questions

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

₹1,50,000 is the statutory annual maximum for PPF. A 20-year PPF at this contribution (15 + one 5-year extension with contributions) is one of the most tax-efficient wealth-building paths in India. Extending from 20 to 25 years takes the maturity value from about ₹66.58 lakh to about ₹1.03 crore, an increase of about 55% on top of just ₹7.5 lakh more in contributions. Try the PPF calculator with annual investment = ₹1,50,000 and tenure = 25 years.

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

Reducing the annual contribution to ₹1,00,000 (two-thirds) for the same 20-year, 7.1% inputs takes the maturity value from about ₹66.58 lakh to about ₹44.39 lakh, also two-thirds. Try annual investment = ₹1,00,000 and tenure = 20 years on the PPF calculator to confirm.

### How does a ₹1,50,000/year PPF for 20 years compare to NPS on tax?

At ₹1,50,000/year your PPF contribution fully uses the Section 80C limit. NPS cannot add more 80C benefit, but gives a separate ₹50,000 deduction under 80CCD(1B) that PPF cannot. At maturity PPF gives the full ₹66.58 lakh tax-free. NPS gives 60% of the corpus tax-free; the remaining 40% must go into a taxable annuity. If you want to maximise 80C and keep the exit completely tax-free, PPF at the maximum is hard to beat.