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PPF: Delaying ₹2,000 Monthly Investments Shrinks Retirement Corpus

PPF: Here's how much investment of ₹2,000 per month earns you — Even 5 years’ delay can impact your total corpus · livemint.com

The Public Provident Fund is a government-backed way to save money for a long time.

This example assumes the account earns 7.1% interest.

If you save ₹2,000 every month from age 5 to age 55, the money could grow to more than ₹1.08 crore.

Most of that amount would come from interest earned over many years.

If you wait until age 25, the same monthly saving could grow to only about ₹24.72 lakh by age 55.

To reach about ₹1 crore after starting at age 25, the example says you would need to save ₹8,800 each month.

Waiting until age 40 would require about ₹34,000 each month to reach a similar target.

The main lesson is that starting earlier gives your money more time to grow.

Key facts

Scheme: Public Provident Fund (PPF)
Assumed interest rate: 7.1%
Monthly investment example: ₹2,000
Longest example: 50 years, beginning at age 5 and maturing at age 55
Projected longest-term corpus: More than ₹1.08 crore
Initial tenure: 15 years
Extension option: Five-year blocks, indefinitely, with or without fresh contributions

livemint.com · 1 hr ago