₹1,50,000/Year PPF for 15 Years

Investing ₹1,50,000/year in PPF for 15 years at the current 7.1% rate builds a corpus of ₹40,68,209, entirely tax-free. Of that, ₹22,50,000 is your contribution and ₹18,18,209 is interest, all three stages are tax-exempt under EEE status. PPF interest compounds annually on the balance between the 5th and last day of each month, so depositing before the 5th of April each year gives you the maximum benefit.