PPF for Kids: Invest ₹12,500/month to Build ₹1Cr?
If you open a PPF account for your child at birth and invest consistently every month, the power of compounding can grow your money to ₹1 crore or more by the time they turn 18-21 — completely tax-free.
₹12,500/month is roughly what many families spend on a child's tuition — redirect it to PPF instead and retire the worry.
Invest this in PPF from your child's birth to build ₹1 crore
Key Takeaways
Open a minor PPF account at your nearest post office or SBI/PNB branch today — bring the child's birth certificate, your Aadhaar, and ₹500 to start.
Set up a standing instruction or auto-debit for the 1st of every month so you never miss a contribution and maximise your yearly ₹1.5 lakh limit.
Calculate your target corpus on the PPF calculator at India Post or NSDL website — plug in your child's age to see exactly how much you need monthly.
If you open a PPF account for your child at birth and invest consistently every month, the power of compounding can grow your money to ₹1 crore or more by the time they turn 18-21 — completely tax-free.
Here's what happened: PPF offers 7.1% annual interest (current rate), compounded yearly and fully exempt from tax under EEE status — making it India's safest long-term wealth builder.. A child PPF account can be opened by a parent or guardian at any post office or authorised bank branch with as little as ₹500 to start.. PPF has a 15-year lock-in that can be extended in 5-year blocks, giving a child's account opened at birth up to 21 years of tax-free compounding power..
What you should do: Open a minor PPF account at your nearest post office or SBI/PNB branch today — bring the child's birth certificate, your Aadhaar, and ₹500 to start.. Set up a standing instruction or auto-debit for the 1st of every month so you never miss a contribution and maximise your yearly ₹1.5 lakh limit.. Calculate your target corpus on the PPF calculator at India Post or NSDL website — plug in your child's age to see exactly how much you need monthly..
Deposit your yearly PPF contribution before April 5 each financial year — PPF interest is calculated on the lowest balance between the 5th and end of the month, so early deposits earn one extra month of interest annually.
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- [1]“Power of compounding: Here's how much minimum you need to invest monthly in PPF to make your child a crorepati” mint - money · 16 Jul 2026
This article is reported by GoCredit's Editorial Team based on the source above. GoCredit synthesises, contextualises, and adds India-borrower-relevant analysis. We are not the original publisher.