Post Office PPF Scheme: Every parent dreams of building a safe financial cushion for their children. School fees keep rising, higher education feels expensive, and even small dreams of the kids sometimes need a strong backup. In such times, the Post Office Public Provident Fund (PPF) scheme becomes a real savior. Safe, tax-free, and backed by the government it’s the kind of plan that makes you sleep peacefully at night. Now imagine this: if you put aside just ₹77,000 every year for your child, you’re not just saving, you’re planting a money tree. After the maturity period, this small yearly contribution can grow into ₹17,54,986. Let’s break this down.
Interest Rate in Post Office PPF
The current interest rate of PPF is 7.1% per annum, compounded yearly. The account runs for 15 years minimum, but you can extend in 5-year blocks if you want. The biggest plus point? Whatever you invest, whatever interest you earn, and even the final maturity amount all of it is completely tax-free. That’s why PPF has always been the favorite for families who prefer stability over risk.
Read more: $12,000 Savings Will Grow Into This Much After 4 Years Check Exact Calculation Here
Full Calculation of ₹77,000 Investment
| Yearly Deposit | Duration | Interest Rate | Total Investment | Total Interest Earned | Maturity Value |
|---|---|---|---|---|---|
| ₹77,000 | 15 Years | 7.1% | ₹11,55,000 | ₹5,99,986 | ₹17,54,986 |
So, in 15 years, your own savings of ₹11.55 lakh quietly grow into a fund of ₹17.54 lakh, with ₹5.99 lakh coming purely as interest.
A Real-Life Story
Take Anjali, a mother of two from Lucknow. She decided to open a PPF account in her son’s name when he was just three years old. Every year, she disciplined herself to deposit ₹77,000 sometimes it was tough, but she never skipped. Now, by the time her son is preparing for college, she knows that more than ₹17 lakh will be ready in his name. She often tells her friends, This one habit has given me the courage to dream big for my child’s future.
Why Parents Choose PPF for Kids
There are many savings options, but PPF stands out because it’s risk-free and tax-free. Unlike market-linked products, you already know your money is safe. For children, this becomes even more valuable, because it’s not just money it’s their foundation for education, career, or even marriage.
Conclusion
Investing ₹77,000 every year in Post Office PPF can help you build a fund of nearly ₹17,54,986 in 15 years. With complete tax exemption, guaranteed returns, and government security, this scheme is one of the best ways to secure your children’s future without stress.
Disclaimer
This article is only for educational and general knowledge purposes. Interest rates in PPF are revised by the government from time to time. Please verify the latest details with the Post Office or authorized banks before investing.
