The Public Provident Fund (PPF) is a government-backed long-term savings scheme that offers tax benefits, guaranteed returns, and capital safety. You can invest from ₹500 up to ₹1.5 lakh per year, with a lock-in period of 15 years. Interest is compounded annually and is fully tax-free. PPF is ideal for retirement planning and long-term financial goals.
₹12,00,000
The total contributions made to your PPF account over 15 years.
₹21,00,000
The final value at maturity, including principal and interest earned.
₹9,00,000
The total interest accumulated during the 15-year investment period.
Any Indian citizen can open a PPF account. Parents or guardians can also open an account on behalf of a minor. NRIs are not eligible.
The lock-in period for PPF is 15 years. You can extend it in 5-year blocks with or without additional contributions.
No. PPF falls under the Exempt-Exempt-Exempt (EEE) category. Both interest and maturity amount are completely tax-free.
Yes. Partial withdrawals are allowed from the 7th year onwards, subject to certain limits and conditions.
Yes. You can avail a loan between the 3rd and 6th year of opening your PPF account, up to 25% of the balance at the end of the 2nd year.
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