PPF Investment: Everyone in the country is thinking about earning as much as possible. They also want to invest in a place where they can get excellent returns along with security. Especially those who earn less every month but can make small investments can accumulate a substantial fund for the future through this scheme. This is one of the safest investment schemes for small investors.

If you are also considering investing in such a reliable scheme, then the PPF scheme can be a great option for you. This is a government-backed scheme. Investors get strong returns along with safety. The special feature of this scheme is that a strong fund can be built through long-term investment.

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PPF Investment Rules and Maturity

The maturity period of the Public Provident Fund is 15 years. During this period, the investor has to deposit a minimum fixed amount in the account every year. It is mandatory to invest at least Rs. 500 annually in PPF, while a maximum of Rs. 1.50 lakh can be deposited in a financial year. Investors are currently being given an annual interest rate of approximately 7.1% on this scheme, which is determined by the government.

After 15 years, investors can extend this account for 5 years at a time. In this way, investment in PPF can be continued for a total of 25 years. If the money is not withdrawn even after maturity, interest continues to accrue on it.

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A fund of lakhs can be created with just Rs. 4,000 per month

A large fund can be created with regular investment in PPF. Let’s say, if an investor deposits Rs. 4,000 every month in a PPF account, then their total investment in a year will be Rs. 48,000. If the investment is continued for 15 years in the same way, the total deposited amount will be Rs. 7.20 lakh. According to the current interest rate, the investor can get approximately Rs. 13.01 lakh at maturity. This way, you will get an extra benefit of approximately Rs. 5.81 lakh, and small savings will accumulate into a large corpus.