New Delhi: Investing at an early age will ensure that you will be in a better position to get good returns. Also, you should do your investments in a disciplined manner.
Public Provident Fund (PPF) scheme is an investment method that assures guaranteed returns. The PPF scheme was introduced by the National Savings Organization in 1968 with the aim of making small savings an attractive investment option. If you choose your tenure wisely, PPF will give very good returns in the long run.
Even if you invest Rs 1,000 every month in Public Provident Fund, it will give you lakhs of rupees in return over the long term. Here is an approximate calculation of how you can get more than Rs 26 lakhs by investing a small amount of Rs 1000 per month in PPF.
Public Provident Fund currently offers an interest rate of 7.1 percent. At present a minimum of Rs 500 and a maximum of Rs 1.5 lakh per year can be deposited in the PPF account. Deposits can be made in a maximum of 12 transactions.
A PPF account matures in 15 years, after which you can either withdraw all your money or extend the PPF account for every block of 5 years.
See the following calculation: Rs 1000 invested in PPF turns into Rs 26 lakh
Firstly, it is advisable that you start investing in PPF at a very young age. Suppose you start investing at the age of 20, you can continue it till the age of 60.
1. Investment for the first 15 years
If you keep depositing Rs 1,000 every month for 15 years, then you will deposit Rs 1.80 lakh. On the said amount you will get Rs 3.25 lakh after 15 years. In this, your interest @ 7.1 will be Rs 1.45 lakh.
2. PPF extended for 5 years
Now you increase your PPF for 5 years, and if you continue to invest Rs 1000 every month, then after 5 years the amount of Rs 3.25 lakh will increase to Rs 5.32 lakh.
3. PPF extended for the second time by 5 years
After 5 years if you continue PPF investment again for 5 years and continue investing Rs 1000, then after next 5 years the money in your PPF account will increase to Rs 8.24 lakh.
4. PPF Extended for 3rd Time by 5 Years
If you extend this PPF account for the third time for 5 years and continue investing Rs 1000, the total investment period will be 30 years while the amount in PPF account will increase to Rs 12.36 lakh.
5. PPF Extended for 5 Years for the Fourth Time
If you extend the PPF account for 5 years after 30 years, and keep investing Rs 1000 every month, then the money in your PPF account will increase to Rs 18.15 lakh in the 35th year.
6. PPF Extended for 5 Years to 5 Years
After 35 years you extend the PPF account for 5 more years, and keep investing Rs 1000 in a month, the money in your PPF account will increase to Rs 26.32 lakh in the 40th year.
In this way an investment of Rs 1000 started at the age of 20 will be Rs 26.32 lakh till retirement.
(Disclaimer: This is an approximate calculation and is not intended to be financial advice in any way. You may check with your portfolio manager for more clarity)
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