PPF Public Provident Fund — Quick Overview
| Scheme Name | PPF – Public Provident Fund 2026 — 7.1% Interest | Tax-Free ₹1.5 Lakh/Year | 15-Year Lock |
| Launched By | Government of India |
| Launch Year | 1968 |
| Benefit | 7.1% guaranteed tax-free returns + ₹1.5 lakh annual tax deduction (80C) + loan facility from year 3 |
| Category | Finance |
| Last Verified | 2 May 2026 |
| Official Portal | https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=53 |
What is PPF Public Provident Fund?
Public Provident Fund (PPF) is India's most popular long-term savings scheme backed by the Government of India with guaranteed returns. Invest ₹500 to ₹1.5 lakh per year and earn 7.1% interest (compounded annually) — completely tax-free under Section 80C and Section 10. Maturity period is 15 years (extendable). Account can be opened at any post office or nationalised bank.
Under this scheme, eligible beneficiaries receive 7.1% guaranteed tax-free returns + ₹1.5 lakh annual tax deduction (80C) + loan facility from year 3. The scheme was launched in 1968 and is implemented by the Government of India.
पब्लिक प्रोविडेंट फंड (PPF) भारत सरकार समर्थित सबसे लोकप्रिय दीर्घकालिक बचत योजना है। सालाना ₹500 से ₹1.5 लाख निवेश पर 7.1% ब्याज मिलता है (वार्षिक चक्रवृद्धि) — पूरी तरह Section 80C और Section 10 के तहत टैक्स-फ्री। 15 साल की maturity (विस्तार संभव)। किसी भी डाकघर या राष्ट्रीयकृत बैंक में खाता खुलवाएं।
7.1% गारंटीड टैक्स-फ्री ब्याज + ₹1.5 लाख तक 80C टैक्स छूट + 3 साल बाद लोन सुविधा
Benefits of PPF Public Provident Fund
7.1% guaranteed tax-free returns + ₹1.5 lakh annual tax deduction (80C) + loan facility from year 3
Who is Eligible for PPF Public Provident Fund?
- ✓Any Indian citizen (resident) — individuals only, not HUF or NRI
- ✓Only ONE PPF account per person (minor child can have separate account operated by parent)
- ✓NRIs are not allowed to open new PPF accounts (existing ones can continue till maturity)
- ✓No minimum age — parents can open for minor children
Documents Required for PPF Public Provident Fund
How to Apply for PPF Public Provident Fund Online?
- 1Nearest Post Office या SBI/PNB/BOB जैसे किसी भी nationalised bank में जाएं
- 2PPF Account Opening Form भरें (Form A)
- 3KYC documents (Aadhaar, PAN, photo) जमा करें
- 4Initial deposit ₹500 (minimum) करें — account उसी दिन खुलता है
- 5Passbook मिलेगी — या SBI/ICICI internet banking पर online PPF account खोलें
- 6हर साल minimum ₹500 और maximum ₹1.5 लाख जमा करें
- 715 साल बाद maturity amount (पूरी राशि + ब्याज) निकालें — 100% tax-free
Official Government Portal
Apply directly on the official government website. This is the only authorised portal — never pay anyone to apply on your behalf.
🔗Apply on www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=53Frequently Asked Questions — PPF Public Provident Fund
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