PPF Calculation: How much will you earn in 20 years by investing Rs 8,000, Rs 10,000, and Rs 12,000 monthly in Post Office Public Provident Fund?

The Public Provident Fund (PPF) is a government-backed savings plan that helps you save money for the long term, offering tax benefits and guaranteed returns to secure your financial future.

Any individual, including those who are employed, self-employed, or pensioners, can open a PPF account. A guardian can open a PPF account on behalf of a minor or a person. Only one PPF account can be opened across the country, either in a post office or a bank.

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

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.

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

When your PPF account matures, you have these options: 1. Withdraw the money: Close the account and get your maturity amount. 2. Keep the money invested: Leave the amount in the account and continue earning interest. You can withdraw it whenever needed. 3. Extend the account: Renew the PPF account for another 5 years without withdrawing the money.

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.

Investment amount: Rs 8,000, Rs 10,000, Rs 12,000 Annualised rate of return: 7.1 per cent Investment period: 20 years

Annual investment: Rs 96,000 (8,000x12) Your total investment amount in 20 years will be Rs 19,20,000. The estimated interest earned during that period will be Rs 23,41,304, and the estimated maturity amount will be Rs 42,61,304. 

Annual investment: Rs 1,20,000 (10,000x12) Your total investment amount in 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.

Annual investment: Rs 1,44,000 (12,000x12) Your total investment amount in 20 years will be Rs 28,80,000. The estimated interest will be Rs 35,11,957, and the estimated maturity amount will be Rs 63,91,957.