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.