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20-year PPF, pre-filled
This page opens the PPF Calculator with the tenure already set to 20 years — one of the 5-year extension blocks beyond the base 15-year term — at the official 7.1% rate.
The maturity value at the annual limit
Depositing the full ₹1.5 lakh annual limit for 20 years at 7.1%, compounded annually, grows to ₹66.58 L — ₹36.58 L of that is interest, entirely tax-free under both regimes.
Change the yearly deposit
The yearly deposit field stays fully editable up to the ₹1.5 lakh annual limit — lower it to see the maturity value at a smaller contribution.
PPF Calculator Pre-Filled to 20 Years
This is the PPF Calculator with the tenure field already set to 20 years — a 5-year extension block beyond the base 15-year term. At the ₹1.5 lakh annual limit and the official 7.1% rate, it matures to ₹66.58 L.
Why Extensions Compound Dramatically
PPF's real power shows up in extension blocks: because the account keeps compounding at 7.1% annually with fresh ₹1.5 lakh deposits, the gap between a 15-year and a 20-year account is far larger than the extra years alone suggest. This page starts you at 20 years so the extended-horizon numbers are visible immediately.
Editing the Yearly Deposit
The ₹1.5 lakh yearly deposit used for this 20-year projection is the annual limit and the most common real-world pattern — the field stays fully editable down to any smaller amount, with the maturity value recalculating instantly using the same official-rate engine as the main PPF Calculator.
Tool family
Base tool: PPF Calculator
Related presets
Frequently asked questions
What does a PPF account mature to after 20 years?
Depositing the full ₹1.5 lakh annual limit for 20 years at the official 7.1% rate grows to ₹66.58 L, of which ₹36.58 L is interest — completely tax-free under both regimes.
Can I extend my PPF account to 20 years?
Yes — after the base 15-year term, PPF accounts can be extended in blocks of 5 years indefinitely, with or without fresh contributions. 20 years reflects 1 such extension block.
Is the PPF interest rate locked at 7.1%?
No — the Finance Ministry reviews small-savings rates every quarter. This calculator uses the current verified rate (3 July 2026) but the rate field stays editable if it changes.
Is this the same formula as the main PPF Calculator?
Yes — identical annual-compounding calculation on start-of-year deposits, just with the tenure pre-filled to this extension block.