Post Office PPF Scheme: Invest Rs 12,500 per month and earn Rs 40 lakh with safe, tax-free returns

Starting with just ₹500, you can invest ₹12,500 per month in the Post Office PPF Scheme, and after 15 years, you can accumulate approximately ₹40 lakh, including tax-free interest. Your money is safe under this scheme, and you can take a loan after 1 year, and you can make partial withdrawals after 5 years.

Post Office PPF Scheme: The Post Office Public Provident Fund (PPF) scheme is a popular and safe investment option that offers good long-term returns through regular savings. If you invest in PPF by saving approximately ₹12,500 every month, your corpus can reach approximately ₹40 lakh after 15 years. This scheme is suitable for those who want to grow their savings without taking any risk and also benefit from tax savings. The interest earned on PPF is approximately 7.1% per annum and is completely tax-free, meaning you do not have to pay any tax on the interest.

Minimum Investment Amount and Tenure

Under this scheme, you can open a PPF account and start investing with just ₹500. You can invest up to ₹1.5 lakh per financial year, which can be deposited in monthly or annual installments. PPF has a lock-in period of 15 years, but you can extend this period by 5 years at a time. This means your savings are protected for even longer, making it ideal for larger purposes like your retirement fund or your child’s education.

Partial Withdrawal and Loan Facility

Another unique feature of the plan is that you can take a loan after 1 year and make partial withdrawals after 5 years. This allows you to access funds to meet emergency needs without closing your account. This plan provides support for emergency expenses while ensuring your financial security.

Tax Benefits and Security

Investing in the PPF scheme offers tax benefits under Section 80C. Both the investment and the interest earned are completely tax-free, helping your total savings grow even more. Furthermore, investments in this scheme, managed by the Post Office, are secure and guaranteed by the Government of India.

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