PPF Investment Returns: The Public Provident Fund (PPF) is a popular investment option, especially for those who want a secure investment. This scheme is open for a period of 15 years, and the interest rate is determined by the government. The interest rate is reviewed every three months and is currently 7.1 percent per annum. The minimum investment in PPF is ₹500 annually, and the maximum is ₹1.5 lakh annually. The most attractive feature is that the investment, interest earned, and maturity amount are all tax-free.
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Big Returns from Small Monthly Investments
If a person invests ₹2,000 in PPF every month, the annual investment will be ₹24,000. After 15 years of investment, the total investment will be ₹3.60 lakh, and at an interest rate of 7.1 percent, the maturity amount will reach approximately ₹6,50,913. Similarly, if you invest ₹3,000 every month, the total investment in 15 years will be ₹5.40 lakh, and you will receive approximately ₹9,76,370 at maturity. If the investment amount is ₹5,000 per month, the total investment in 15 years will be ₹9 lakh, and the amount at maturity can reach up to ₹16,27,284.
Who Benefits Most from PPF?
PPF is ideal for those who do not want to take risks. Salaried individuals, self-employed individuals, women, and parents can invest in it for their children’s future. This scheme is not affected by market fluctuations, making it a completely safe investment.
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Option for PPF Account Extension
Even after the completion of the 15-year period, you can continue your PPF account. For this, an application needs to be submitted before maturity. Extensions are permitted for 5 years at a time, and you can extend it multiple times in 5-year blocks. This allows you to continue saving and investing for a longer period and earn good returns.