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PPF: Here's how much investment of ₹2,000 per month earns you — Even 5 years’ delay can impact your total corpus
Mint 1 hr ago·11 Sept 2026, 5:34 pm
The Public Provident Fund (PPF) is a popular long-term savings scheme in India, known for its tax benefits and government backing. It offers a guaranteed return of 7.1% per annum, compounded annually. The key to maximizing your returns lies in consistent investing and starting early, as the interest earned also earns interest over time.
For example, investing ₹2,000 per month for 15 years yields a corpus of approximately ₹5.7 lakh. Extending this investment by just five years to 20 years significantly boosts the final amount to around ₹8.5 lakh. This demonstrates the power of time; delaying your investment by even five years can reduce your total maturity amount by a substantial margin.
For investors, this highlights the importance of starting a PPF as early as possible. Even a modest monthly contribution, when continued for the full 15-year tenure, can build a sizeable retirement fund. To maximize your savings, consider increasing your monthly contribution whenever possible and maintaining the discipline of investing for the full term.
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