Unlock 80 Lakhs from PPF: Discover the 'Magic' 15+5+5 Formula for Retirement
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News18•22-01-2026, 09:17
Unlock 80 Lakhs from PPF: Discover the 'Magic' 15+5+5 Formula for Retirement
- •PPF is a popular, safe investment option in India offering long-term savings, assured returns, and tax exemption.
- •The '15+5+5' formula refers to the initial 15-year PPF tenure, extendable twice for 5 years each, totaling 25 years.
- •Investing the maximum annual limit of 1.5 lakh rupees for 25 years can yield approximately 75-80 lakh rupees at a 7.1% interest rate.
- •This strategy allows investors to more than double their invested amount risk-free.
- •The 80 lakh maturity amount can then be reinvested in a pension or annuity plan (6-7% return) to generate a monthly income of 45,000-48,000 rupees for retirement.
Why It Matters: Maximize PPF returns over 25 years to accumulate 80 lakhs, securing a substantial retirement pension.
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