Archive · 28 Sep 2025
PPF: Hidden Facts to Elevate Your Savings
PPF is a government-backed savings plan that offers a fixed interest rate.
It's known for safety and tax benefits.
You can extend the 15-year term, withdraw money after seven years, and even take out a loan using your PPF balance.
Your PPF funds are protected from debt claims.
You can deposit more than the usual limit, but extra money won't earn interest.
PPF offers a 7.1% interest rate, compounded annually.
The standard lock-in period is 15 years, with the possibility of extension.
Partial withdrawals are permitted after seven years.
Loans can be taken out against the PPF balance after 2 years.
Funds are protected from debt claims.
- Who
- PPF account holders
- What
- Key features and benefits of Public Provident Fund (PPF)
- When
- Not explicitly mentioned.
- Where
- India
- Why
- To provide a safe and tax-efficient savings option
- Interest Rate
- 7.1% compounded annually
- Tenure
- 15 years (extendable in 5-year increments)
- Partial Withdrawals
- Allowed after 7 years
- Loan Facility
- Available against PPF balance after 2 years
- Contribution Limit
- ₹1.5 lakh annually (eligible for benefits), additional deposits allowed without interest
