Turn Lakhs Into Crores With This Post Office Scheme: Know the 15+5+5 Formula

If you’re looking for an investment that is safe, rewarding, and backed by the government, the Public Provident Fund (PPF) has always been a trusted choice for Indians. This long-term savings scheme, run by the Post Office and major banks, offers steady growth, helpful tax benefits, and the chance to quietly build a fund worth crores, just by being disciplined with your deposits.

Why PPF Remains a Favourite

PPF is considered one of the safest investment options in India because it comes with a government guarantee and a stable interest rate. The current interest rate stands at 7.1% per year, and the scheme also offers a tax deduction of up to ₹1.5 lakh under Section 80C. Anyone who is an Indian citizen can open an account, making it one of the most accessible long-term savings tools.

The Smart 15+5+5 Strategy

A PPF account has a basic lock-in period of 15 years, but that’s just the beginning. Investors can extend the account in blocks of 5 years each, allowing them to continue earning interest for a total of 25 years or more.

This 15+5+5 strategy works beautifully because it lets compound interest do the heavy lifting, quietly multiplying your savings year after year.

How ₹1 Crore Becomes Possible

Let’s break down how disciplined investing helps create a crore-sized corpus:

• Annual deposit: ₹1.5 lakh
• In 15 years: ₹22.5 lakh invested grows to approx. ₹40 lakh
• At 20 years: Without withdrawing, it rises to around ₹57.32 lakh
• At 25 years: The fund reaches approx. ₹80.77 lakh even without additional deposits

But if you continue depositing ₹1.5 lakh every year for the full 25 years, the power of compounding kicks in aggressively and your total fund can grow to about ₹1.03 crore.
All of this comes with zero market risk and complete security.

A Lifelong Income Option

Even after 25 years, your PPF account doesn’t have to stop working for you. If your corpus has reached about ₹1.03 crore, the interest alone at 7.1%, can generate nearly ₹7.31 lakh a year, or roughly ₹61,000 per month.

That’s a steady, safe income stream that supports a peaceful retirement.

The Public Provident Fund may not be flashy, but it’s reliable, tax-friendly, and incredibly powerful when used with discipline. Whether you’re planning for retirement, long-term goals, or simply want stress-free growth, PPF offers a straightforward path to financial security, one that can easily take you into the crore club.