my friend is district manager with a bachelors degree in computer science working in government sector in the office of collector , 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. from his income rs.6250/- per month is being credited in ppf as he is working on contract basis w.e.f. 10 dec. 2012 , this credit in ppf and epf is now increased to rs. 40550/- per month from sep .2019 , therefore his parents also started @ rs. 12500/- per month for him and government also started saving for him @rs.1250/- per month i.e. from sep. 2019 an accumulation of rs. 54300/- is started for his pension account. on this saving he also started to earn @ rs. 14775/- per month as an interest .at the time of his retirement on 01 april 2049 from service this saving may turn in to 100 millions.