PPF Investment Scheme: PPF is a reliable savings scheme of the Government of India. People can invest in it for the long term. The PPF scheme is specifically designed for those who want a secure investment that provides good returns. A PPF account matures in 15 years. After that, it can be extended in blocks of 5 years. A minimum of ₹500 and a maximum of ₹1.5 lakh can be deposited in this scheme annually. Now let’s understand how much money a person can accumulate after 15 years if they invest ₹7,000, ₹11,000, or ₹12,000 every month in a Post Office PPF account.
Where can you open a PPF account?
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You can open a PPF account at a post office or any authorized bank. The rules, interest rates, and tax benefits are the same at both places. The only difference is convenience and accessibility. You can open an account wherever it is most convenient for you.
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Who can open a PPF account?
Any adult residing in India can open a PPF account in their own name. Parents or legal guardians can open an account in the name of a minor child or a mentally incapacitated person. It is important to note that a person can only have one PPF account in their name across the entire country, whether it is in a bank or a post office.
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What are the rules after maturity?
When the PPF account completes 15 years, you can withdraw the entire amount by submitting your passbook and the account closure form at the post office or bank. If you wish, you can also keep the account active without making any new deposits. In this case, interest will continue to accrue at the prevailing interest rate. During this period, you can withdraw money once a year or take out the entire amount whenever you want.
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Return on investment of ₹7000 per month
If you deposit ₹7000 every month in PPF, your annual investment will be ₹84,000. In 15 years, your total investment will amount to ₹12,60,000. The estimated interest earned on this could be approximately ₹10,18,197. This means the total amount at maturity could be approximately ₹22,78,197.
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Return on investment of ₹11000 per month
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Depositing ₹11000 every month will result in an annual investment of ₹1,32,000. In 15 years, the total investment will be ₹19,80,000. The estimated interest earned could be approximately ₹16,00,024. Thus, the total amount at maturity could be approximately ₹35,80,024.
Return on investment of ₹12000 per month
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If you invest ₹12000 every month, you will deposit ₹1,44,000 in a year. In 15 years, your total investment will be ₹21,60,000. The estimated interest earned on this could be approximately ₹17,45,481. Therefore, the total amount at maturity could be approximately ₹39,05,481.