PPF can be extended in 5-year blocks after maturity
Total Invested:₹0
Total Interest Earned:₹0
Maturity Value:₹0
Annual 80C Tax Benefit (30% slab):₹0
Total Tax Saved (15 years):₹0
EEE Status — Exempt on Investment, Exempt on Growth, Exempt on Maturity
Year-by-Year Breakdown
Year
Opening Balance
Annual Contribution
Interest Earned
Closing Balance
What is PPF?
The Public Provident Fund (PPF) is a long-term savings scheme launched by the Government of India under the Ministry of Finance. It's designed to encourage savings and provide financial security for retirement.
Maturity Period:15 years (extendable in 5-year blocks)
Investment Range:₹500 to ₹1.5 lakh per financial year
Interest Rate:7.1% p.a. (revised quarterly)
Tax Status:EEE (Exempt-Exempt-Exempt)
Withdrawal Rules:Partial withdrawal from 7th year; full withdrawal after 15 years
Why Invest in PPF?
Tax Benefits:Deduction under Section 80C (up to ₹1.5L per year); interest and maturity amount fully exempt from tax
Safety:Backed by the Government of India; no market risk
Competitive Returns:Higher than bank savings accounts; regular interest revisions
Flexibility:Can be extended beyond 15 years; allows partial withdrawal from Year 7
Loan Facility:Can borrow against PPF from Year 8 at reasonable interest rates
PPF vs Fixed Deposit (FD) Comparison
Tax Status
PPF
EEE (Fully Exempt)
Tax Status
FD
Taxable (Interest)
Interest Rate
PPF
7.1% p.a.
Interest Rate
FD
5-6% p.a.
Liquidity
PPF
Locked 7 years
Liquidity
FD
Full access anytime
Maturity
PPF
15 years (Extendable)
Maturity
FD
1-5+ years (Variable)
Frequently Asked Questions
Can I invest more than ₹1.5 lakh in PPF?+
No.The maximum annual investment limit in PPF is ₹1.5 lakh per financial year per PAN. Investing beyond this limit will not qualify for Section 80C deduction, and excess contributions may be subject to penalty.
Can NRIs invest in PPF?+
Limited.NRIs (Non-Resident Indians) cannot open new PPF accounts. However, existing PPF accounts opened while the person was a resident can be continued during NRI status until maturity. Once an account matures, it cannot be reopened as an NRI.
When can I withdraw from PPF?+
Withdrawal Timeline: -Partial Withdrawal:Available from the end of the 7th financial year onwards. Maximum 50% of the balance at the end of the 4th preceding year or 50% of the balance at the end of the immediately preceding year, whichever is lower. -Full Withdrawal:After 15 years of maturity or extension period.
Can PPF be extended beyond 15 years?+
Yes.PPF can be extended in 5-year blocks after the initial 15-year maturity period. You can extend up to 25 years total (15 + 10 years). The extended period can be continued with or without further contributions at the prevailing interest rate.
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