Hi, I feel ppf is like our savings for our retirement, not only an investment. My father when he retired the amount he got he could put it in a bank or the post office under MIS, still get returns @ 14% so the monthly expenses were met. I work in a private company, in the current trend even this option is ruled out as the PF will not suffice. So we need the PPF to supplement it. In the bank for 5% interest to get 10K per month we need to invest 24lakhs. Our PF, will be like 2000*12*30=720000 ( where 2000 is the amount per month ,2 months and assuming we work for 30 years. 2000 is a high end amount, I know it is less than that).
