PPF Calculator: If you want amazing returns, invest just ₹5000, ₹1000 and ₹15000 every month..

Even today, when there are various investment schemes available in the market, PPF (Public Provident Fund) remains one of the most reliable options. Its biggest benefit is that investing in it provides completely secure returns, as it is guaranteed by the government. In fact, it is not only an excellent way to save tax but also offers the opportunity to build wealth worth crores over the long term.

Why is PPF a top choice for investors?

PPF has always been a preferred investment instrument for middle-class and salaried individuals. You can invest in it for as little as ₹500 to as much as ₹1.5 lakh annually. The scheme has a lock-in period of 15 years, and you can extend it in blocks of 5 years if you wish. Most importantly, the interest and maturity amount are completely tax-free, meaning you get a "tension-free income."

The magic of monthly investing - an example of ₹5,000 and ₹10,000

Many people are hesitant to start investing, wondering how a small amount can yield big returns. But that's precisely the magic of compound interest in PPF. So, if you invest just ₹5,000 or ₹10,000 every month, your fund can turn into lakhs in 15 years.

Let's see how much return you'll get with this calculation—
Return on an investment of ₹5,000 per month

Monthly investment amount: ₹5,000
Term: 15 years
Interest rate: 7.1%
Total investment: ₹75,000
Total interest: ₹60,607
Maturity amount: ₹1,35,607

That is, by saving just ₹5,000 every month, you can create a fund of over ₹1,35,607 lakh in 15 years.

Return on ₹10,000 per month investment.

Monthly investment amount: ₹10,000
Term: 15 years
Interest rate: 7.1%
Total investment: ₹1,50,000
Total interest: ₹1,21,214
Maturity amount: ₹2,71,214

That is, if you invest ₹10,000 every month, you will have ₹2,71,214 in hand after 15 years.

Return on ₹15,000 per month investment.

Monthly investment amount: ₹15,000
Term: 15 years
Interest rate: 7.1%
Total investment: ₹2,25,000
Total interest: ₹1,81,821
Maturity amount: ₹2,71,214

That means, if you invest ₹15,000 every month, you will have ₹4,06,821 in your hands after 15 years.

You can earn ₹2.88 lakh every year from home without investing a single rupee. Understand this secret of PPF, people will ask: How did you do this?

You can earn ₹2.88 lakh every year from home without investing a single rupee. Understand this secret of PPF, people will ask: How did you do this?
Major Benefits of PPF
1. Safe investment: Government-guaranteed returns.
2. Tax-free: No tax on both interest and maturity amount.
3. Long-term planning: Best for children's education, retirement, or buying a house.
4. Loan and partial withdrawal facility: Loans can also be taken if needed.
5. The magic of compounding: The longer the investment, the greater the profit.

Who should invest in PPF?
PPF is perfect for those who want a safe investment and want to accumulate wealth for the long term.

Salaried individuals with stable incomes

Small business owners who want to save tax

Young investors who want to plan for early retirement

Conclusion:
If you want your money to grow slowly and safely, PPF is the most reliable scheme for you. A small amount each month can turn into lakhs in 15 years. Whether it's ₹3,000 or ₹10,000—investments made with discipline and patience always yield big returns. PPF not only protects your savings but also gives you a strong financial future with tax-free returns.

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.