PPF Income: The Central Government operates several excellent schemes. PPF is one of the most popular. This government-run scheme provides guaranteed returns. You can also open a PPF account in your wife’s name. With a minimum investment of ₹500, you can open an account. Let’s learn how to earn ₹1,06,828 per month through PPF.
PPF is a retirement-focused scheme that offers guaranteed returns and tax benefits under Section 80C of the Income Tax Act, 1961. Anyone can invest in this small savings scheme, including salaried individuals and business owners. The minimum investment allowed is ₹500 and the maximum is ₹1.5 lakh.
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When can one receive money in PPF?
The PPF scheme requires investment for 15 years. After 15 years, the account holder can extend their account for 5 years at a time. Any PPF account holder can withdraw money once per financial year after 5 years. If needed, they can withdraw 50% of the remaining balance at the end of the fourth year or the previous year, whichever is lower.
Monthly Cash Up to Rs. 1.06 Lakh
The monthly income from PPF can be earned. One must start investing Rs. 1.50 lakh every year and continue it until the 15-year maturity period. To maximize interest, investments should be made between April 1st and April 5th each year.
How much money will you receive in 15 years?
If you invest ₹1.5 lakh every year, you’ll have a total investment of ₹22.50 lakh in 15 years. During this time, you’ll earn approximately ₹18.18 lakh in interest. Consequently, the maturity account will amount to ₹40,68,209. Even if you extend the account, you’ll need to invest ₹1.5 lakh every year.