Earn ₹61,000 monthly income from PPF:Secure a ₹1.03 crore corpus after 15 years – learn all about the 15+5+5 investment strategy

The government has kept the interest rates for small savings schemes unchanged for the October-December quarter (Q3FY26). This means you will continue to receive the same interest rates for your investments. If you want to create a smart fund for retirement, Public Provident Fund (PPF) can be an excellent option for you. With the 15+5+5 investment strategy, PPF can help you build a ₹1.03 crore fund in 25 years. Additionally, you can earn ₹61,000 monthly in interest, making it one of the most reliable and secure investment schemes. PPF offers a guaranteed 7.1% interest rate, which compounds annually. This means that your invested amount and the interest earned on it grows simultaneously. Also, the interest earned and the maturity amount are tax-free. You can invest a minimum of ₹500 and a maximum of ₹1.5 lakh annually. Using the 15+5+5 formula, an investment of ₹1.5 lakh annually for 25 years can grow up to ₹1.03 crore, including ₹65 lakh from interest alone. What is PPF’s 15+5+5 formula It is a type of investment plan where you let your money grow for 25 years. On maturity after 15 years, you get these options 5-year extensions after 15 years How will you get monthly income of ₹61,000? After completing 25 years, you can continue your PPF account fund of ₹1.03 crore. You will continue to receive 7.1% interest on this amount every year. At 7.1% annual interest, you will earn approximately ₹7.31 lakh every year. This means you will get around ₹60,941 per month. The important thing is that your principal fund of ₹1.03 crore will remain intact. Your regular earnings will begin. You can invest ₹1.5 lakh per year, tax free until maturity Who can open a PPF Account?
Any person can open this account in their name at a post office or bank. Additionally, an account can also be opened on behalf of a minor by another person.