Public Provident Fund (PPF) Offers 7.1% Interest
Safe, Tax-Free & Long-Term Wealth Creation
Deposit Rs 12,500 Monthly → Get Rs 40 Lakh+ in 15 Years
The Post Office’s Public Provident Fund (PPF) is one of the most trusted long-term savings schemes,
backed by the government and offering 7.1% annual interest. Both the interest and the final maturity amount are completely tax-free.
If you invest Rs 12,500 monthly for 15 years, your total contribution of Rs 22.5 lakh can grow to more than
Rs 40 lakh, ensuring long-term financial security.
Key Benefits
- Safety: 100% government-backed.
- Tax-free: Deposits, interest, and maturity exempt under Section 80C & 10(11).
- Liquidity: Loan available after 1 year; partial withdrawal after 5 years.
- Wealth creation: Small monthly savings grow into a large corpus.
Year-wise Growth (Rs 12,500 Monthly @ 7.1% p.a.)
| Year | Total Balance (Rs.) |
|---|---|
| 1 | 1,60,650 |
| 2 | 3,32,706 |
| 3 | 5,16,978 |
| 4 | 7,14,334 |
| 5 | 9,25,701 |
| 6 | 11,52,076 |
| 7 | 13,94,524 |
| 8 | 16,54,185 |
| 9 | 19,32,282 |
| 10 | 22,30,124 |
| 11 | 25,49,113 |
| 12 | 28,90,750 |
| 13 | 32,56,643 |
| 14 | 36,48,515 |
| 15 | 40,68,209 |
Note: This is for information purposes only. Returns are indicative based on current 7.1% PPF rate. Please consult a financial advisor before investing.
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