PPF Calculation: How much will you earn in 20 years by investing Rs 5,000, Rs 9,000, and Rs 10,000 monthly in Post Office Public Provident Fund?

Public Provident Fund offers guaranteed returns and tax benefits on up to 1.5 lakh investments in a year under Section 80C of the Income Tax Act. This investment scheme is backed by the government in which any individual, including those who are employed, self-employed, or pensioners, can open a PPF account. Currently, it is offering an interest rate of 7.1 percent. Therefore, let’s find out how much you will earn in 20 years if you invest Rs 5,000,  Rs 9,000, and Rs 10,000 monthly in the Post Office Public Provident Fund. 

Also read: PPF Calculation: How much will you earn in 20 years by investing Rs 4,000, Rs 8,000, and Rs 12,000 monthly in Post Office Public Provident Fund?

What is Post Office PPF

You can open a Public Provident Fund account in a Bank or a Post Office, both offer the same benefits. A Post Office PPF is a government-backed, long-term investment scheme with a standard maturity period of 15 years. It offers tax benefits and a secure way to build a corpus for the future.  

Who can open a PPF account?

Anyone can open a PPF account, including:

• Employed people
• Self-employed people
• Pensioners
• A guardian can also open a PPF account for a minor

Important: You can only have one PPF account in the whole country, which can be opened at a post office or a bank.

What is minimum deposit amount in Post Office PPF?

The minimum deposit required in a year is Rs 500, while the maximum deposit allowed in a year is Rs 1.50 lakh.

Where to open a PPF account?

You can open a PPF account at either a post office or a bank. Both options have the same rules and benefits, so you can choose the one that's most convenient for you.

What is the maturity period of PPF?

The account matures after 15 financial years, excluding the financial year of account opening.

What is next step after PPF Maturity?

When your PPF account matures, you have a few options:
1. Take the maturity amount: Fill out the account closure form, submit it with your passbook, and get your money.
2. Keep the money in the account: You can leave the maturity amount in the account and still earn interest. You can withdraw the money anytime or make one withdrawal per year.
3. Extend the account: Within one year of maturity, you can extend your PPF account for another 5 years by submitting an extension form at the post office.

What are PPF withdrawal rules?

Here are the rules regarding withdrawals from a PPF account:
You can make one withdrawal per financial year, but only after five years from the date of account opening, excluding the year of account opening.
The amount of withdrawal allowed is up to 50 per cent of the balance credited to the account at the end of the fourth preceding year or the end of the preceding year, whichever is lower.

Post office PPF calculation conditions

Investment amount: Rs 5,000, Rs 9,000, Rs 10,000
Annualised rate of return: 7.1 per cent
Investment period: 20 years

What will be PPF corpus after 20 years with an investment of Rs 5,000 per month?

Annual investment: Rs 60,000 (5,000x12)
Your total investment amount throughout 20 years will be Rs 12,00,000. The estimated interest earned during this period will be Rs 14,63,315, and the estimated maturity amount will be Rs 26,63,315. 

What will be PPF corpus after 20 years with an investment of Rs 9,000 per month?

Annual investment: Rs 1,08,000 (9,000x12)
Your total investment amount over 20 years will be Rs 21,60,000. The estimated interest earned during this period will be Rs 26,33,967, and the estimated maturity amount will be Rs 47,93,967.

What will be PPF corpus after 20 years with an investment of Rs 10,000 per month?

Annual investment: Rs 1,20,000 (10,000x12)
Your total investment amount over 20 years will be Rs 24,00,000. The estimated interest earned during this period will be Rs 29,26,631, and the estimated maturity amount will be Rs 53,26,631.

DISCLAIMER: Investments carry risk; seek professional guidance