My friend is District Manager with a Bachelors degree in Computer Science working in government sector in the office of Collector , on contract basis Harda . He is currently living in Harda. His parents are residing with him in rented house . He belongs to a middle class, nuclear family with moderate values. He started saving in PPF @ Rs 6250/- per month from Dec . 2012 . He increased his saving in PPF gradually . At present he is saving in PPF and EPF @ Rs 40550/- per month from Sep 2019 therefore his parents also started saving for him also @ Rs 12500 /- per month and Govt also started @ Rs. 1250/- for pension account . On his total saving in EPF and PPF he is also earning an interest of Rs. 17500/- per month. If any how he able to continue this trends of saving up to 31 March 2049 , then This will be turn into near about 50 Millions , at the time of his retirement on 01 April 2049 from Service .