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Can you invest in PPF for 30 years?

Can you invest in PPF? after 15 years of initial lock-in periods. The article details the measures of investing after the initial lock-in period. The article details a strategy to achieve a corpus of over Rs 1 crore through disciplined investment in the Public Provident Fund (PPF) scheme over 30 years. It explores the potential returns of monthly investments of Rs 10,000 and Rs 12,000, highlighting the power of compounding and the sovereign guarantee offered by this government-backed scheme.

Can you invest in PPF for 30-year? Investment Strategy for 30 year investment
Can you invest in PPF for 30-year? Investment Strategy for 30 year investment Credit:David Talukdar/Moment/Getty Images
| Updated on: Jul 19, 2025 | 06:15 PM
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New Delhi: Public Provident Fund (PPF) is an savings and investments instrument launched by the Government of India in 1968 to channelise savings from households into long-term investments. PPF is a safe investment tool to build the corpus for future needs that is backed by the government itself. Investment advisers have long suggested it as a safe tool to earn guaranteed returns with the advantage of saving tax.

The initial lock-in period of a PPF account is 15 years, which can be extended by blocks of five years. Therefore, investment in PPF can easily continue for 30 years, even after the initial lock period. If an individual continues to invest Rs 10,000/month in the account for the 30-year period at the current interest rate of 7.1 percent, the investment can multiply to well over Rs 1 crore.

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PPF crorepati plan: How to build a corpus of Rs 1 crore

One of the features of the PPF facility is available for minors. In this article, the mantra to become a crorepati through PPF is mentioned. The mantra stands for disciplined investment over the years.

PPF Calculator: How much could you get after investing for 30 years

At first, it is difficult to believe that one can accumulate more than Rs 1 crore in PPF. However, disciplined and sustained investing along with the power of compounding could produce the results in a very definitive manner. Since the investment tool carries a sovereign guarantee, one can do it with certainty.

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If one invests an amount of Rs 10000 per month in a PPF account for 30 years, one could build a corpus of Rs 11,985,155 (Rs 1.19 crore). If one increases the investment a bit and extends it to Rs 12,000 and continues the investment for the same years, then the total amount would stand at Rs 14,300,000 (approx. Rs 1.43 crore), an extra Rs 24 lakh with a modest increase in investment amount.

The maximum investment allowed in PPF is Rs 150,000 in a financial year. However, it is always advisable that one take the help of a personal finance adviser to determine when he/she would open a PPF account and how much he/she would contribute to it.

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