In today’s times, everyone wants their hard-earned savings to be secure while also yielding substantial returns. This is why guaranteed investment options are considered the most reliable. If you are looking for a safe investment plan—perhaps in the name of your children or spouse—this information is for you. Today, we will discuss the Public Provident Fund (PPF) and explore the potential returns you can earn based on different investment amounts.

How much interest will you earn?
The Public Provident Fund (PPF) is a secure, government-guaranteed investment option. Under current rules, it offers an annual interest rate of 7.1%, which compounds over a long lock-in period of 15 years. You can start investing with as little as ₹500, with a maximum annual deposit limit of ₹1.5 lakh. The scheme has a maturity period of 15 years.

Returns based on investment amount:
Annual Investment | Total Deposit (15 years) | Interest Earned | Total Amount at Maturity
₹3,000 | ₹45,000 | ₹36,364 | ₹81,364
₹5,000 | ₹75,000 | ₹60,607 | ₹1,35,607
₹8,000 | ₹1,20,000 | ₹96,971 | ₹2,16,971
₹10,000 | ₹1,50,000 | ₹1,21,214 | ₹2,71,214

Why is the PPF special?
The PPF is an excellent choice for investors who seek security, attractive returns, and tax savings—all without any exposure to market risks. The amount invested, the interest earned on it, and the total sum received upon maturity—none of these are subject to any tax.
Under Section 80C of the Income Tax Act, you can avail of a tax exemption on investments of up to ₹1.5 lakh per year.

PC Social Media