PPF wealth building strategy: ₹1.

PPF wealth building strategy: ₹1.5 lakh annual investment reaches ₹1 crore in 25 years. The Public Provident Fund remains India's preferred conservative investment option, offering tax-free returns and government backing. At the current 7.1% annual interest rate, investors who contribute the maximum ₹1.5 lakh yearly can accumulate approximately ₹40.68 lakh after 15 years. By extending the account through two additional five-year periods, the corpus grows to over ₹1 crore completely tax-free. The scheme's power lies in compound interest, where returns generate their own returns over decades. Most investors overlook the critical importance of staying invested through full extension periods rather than withdrawing at maturity. Discipline and patience are essential for maximizing this government-backed retirement planning tool.