PPF Calculation: How much will investments of ₹3000, ₹5000, ₹8000, and ₹10,000 be worth? know..

PPF Calculation: In today's times, a safe investment with guaranteed returns is a necessity for everyone. The Public Provident Fund (PPF) is a government-backed option that builds a strong fund over the long term with a 7.1% interest rate and tax-free returns. Examples of monthly investments ranging from ₹3,000 to ₹10,000 demonstrate how even small savings can create a fund worth millions.

PPF: The Best Option for Wealth Creation
In today's world, everyone wants their savings to be safe and provide good returns in the future. In such a scenario, an investment with guaranteed returns is considered the most reliable. So, if you want to build a long-term fund for your child's higher education, marriage, or retirement, the Public Provident Fund (PPF) is an excellent option. It offers the benefit of compounding along with government security, allowing even small savings to grow into a large fund over time.

Investing ₹3,000 to ₹10,000 will make you wealthy.
If you are unsure how much to invest in PPF, this calculation will clear your confusion. Here, we have taken examples of three different monthly investment amounts: ₹3,000, ₹5,000, and ₹10,000, which will help you become wealthy in 15 years.

How much interest does PPF offer?
Currently, according to existing rules, PPF offers an annual interest rate of 7.1%, which compounds over a 15-year lock-in period. This calculation will clearly show how a strong fund can be created over the long term with even small amounts, and which investment will be right for your goals.

Calculation of ₹3,000 Monthly Investment (PPF)
If you invest ₹3,000 every month in PPF and continue this for 15 years, this investment, according to the current annual interest rate of 7.1%, will help you build a strong fund. In this tenure, your total deposit will be ₹45,000, while at maturity you will receive approximately ₹81,364. This means you will get an extra benefit of ₹36,364 from interest alone, in addition to your deposited amount. This example clearly shows that even small savings can provide safe and excellent returns in the long run.

Investing ₹5,000 will make you rich.
If you invest ₹5,000 every month in PPF and continue this for 15 years, then at the current annual interest rate of 7.1%, this investment will create an even larger fund. In 15 years, your total deposit will be ₹75,000. At maturity, you will receive approximately ₹1,35,607. This means you will get an extra benefit of ₹75,000 from interest alone.

PPF with ₹8,000 will work wonders
If a person invests ₹8,000 every month in PPF and continues this for 15 years, then at the current annual interest rate of 7.1%, they will receive approximately ₹2,16,971 at maturity. During this period, the investor's total invested amount will be ₹1,20,000, while ₹96,971 will be earned from interest alone. This shows that with long-term and regular investment, PPF creates a strong, safe, and reliable fund.

Investing ₹10,000 in PPF will make you rich.
If you deposit ₹10,000 every month from your earnings into a PPF account and maintain this investment continuously for 15 years, then at the current annual interest rate of 7.1%, your fund can become quite strong. In this tenure, your total investment fund will be ₹1,50,000, while you will receive approximately ₹1,21,214 as interest. This means that you can receive approximately ₹2,71,214 at maturity. This example clearly shows that regular and long-term investment in PPF can build a large and secure corpus for the future.

Why is PPF special for investment?
PPF is a reliable option for investors who want safety, tax savings, and stable long-term returns.  This government-backed scheme comes with EEE status, meaning that the investment, interest, and maturity amount are all tax-free.  Yes, it offers tax exemption on investments up to ₹1.5 lakh under Section 80C, reducing the annual tax burden. Its 15-year maturity makes it ideal for goals like retirement and children's education. (Note: This article is for informational purposes only and should not be considered as investment advice. Please consult a financial advisor for investment decisions.)

Disclaimer: This content has been sourced and edited from Zee Business. While we have made modifications for clarity and presentation, the original content belongs to its respective authors and website. We do not claim ownership of the content.