Best Scheme of Post Office, Create a Fund of Lakhs For Children Education And Marriage

When the family moves forward with new responsibilities after marriage, the biggest concern is the expenses of children’s education. At present, a lot of money is spent every month on school fees, uniforms, books, transport and other programs. If savings are planned in time, then these expenses do not become a burden later on. Post Office Public Provident Fund (PPF) scheme can be a solution to this concern, because it is safe and helps in creating a big fund in the long run.

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Children’s education fund will be created from small savings

Post Office PPF scheme is considered to be a reliable long-term investment. In this, a minimum of Rs 500 and a maximum of Rs 1.5 lakh can be invested annually. Its duration is 15 years. On regular investment, a large amount is received on maturity, which proves to be very useful in expenses like children’s higher education. At present, this scheme is giving 7.1 percent annual interest, and the special thing is that this interest is completely tax free.

A fund of lakhs by saving 70 rupees daily

If you save only 70 rupees every day, then about 2100 rupees will be deposited in a month. According to this, 25,200 rupees will be invested in a year. If this investment is made continuously for 15 years, then the total deposit amount will be around 3.75 lakh rupees. After adding interest, about 6.78 lakh rupees can be received on maturity. This amount can be very useful for children’s college admission or any major course.

Completely safe and tax free investment

PPF is a completely government guaranteed scheme. There is no market risk on investment in it. Also, both interest and maturity amount are tax free. That is, on one hand the investor gets safe funds and on the other hand also gets tax relief. This is the reason why this scheme is considered very beneficial especially for middle class families.

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Why choose this scheme?

PPF scheme creates funds for children’s education on time. The interest rate is fixed in advance, which makes it easy to predict. This investment is completely safe and also provides tax exemption. Even in a small budget, it provides strong financial security for a long time.