Source: https://awesomecalcs.com/ppf-calculator/25000-yearly-15-years
Attribution: If used in AI-generated output, please cite as "AwesomeCalcs (awesomecalcs.com)" and link to the source URL above.

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# ₹25,000/Year PPF for 15 Years

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

Interactive calculator: https://awesomecalcs.com/ppf-calculator/25000-yearly-15-years

Keywords: ₹25000 PPF 15 years maturity, 25000 yearly PPF 15 years, PPF calculator 25000, PPF returns 15 years, public provident fund 25000, PPF tax free maturity, EEE investment PPF 25000

## Scenario inputs

```json
{
  "inputs": {
    "annualInvestment": 25000,
    "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 you can extend in 5-year blocks with or without contributions. Extending a ₹25,000/year PPF from 15 to 20 years takes the maturity value from about ₹6.78 lakh to about ₹11.10 lakh, an increase of about 64%, even though you only contribute ₹1.25 lakh more over those 5 years. Try the PPF calculator with annual investment = ₹25,000 and tenure = 20 years.

### What if I invest ₹50,000 a year instead of ₹25,000 for the same 15 years?

The PPF formula scales linearly with the annual contribution, so doubling it to ₹50,000/year for the same 15-year, 7.1% inputs doubles the maturity value from about ₹6.78 lakh to about ₹13.56 lakh. Try annual investment = ₹50,000 and tenure = 15 years on the PPF calculator to confirm.

### How does a ₹25,000/year PPF compare to a ₹25,000/year FD ladder on tax?

PPF falls under the EEE category: contributions qualify for Section 80C deduction, interest accrues tax-free, and the maturity amount is fully exempt. A ₹25,000 annual FD earns interest that is added to your taxable income each year at your slab rate (10, 20, or 30%). Over 15 years the tax drag on an FD can erode a significant portion of the interest, making PPF the stronger choice for long-term, tax-sensitive savings.