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.
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 | 23 May 2026 |
| Official Portal | https://www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=53 |
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
Use www.nsiindia.gov.in directly — there is no application fee, and no third party can speed up your approval.
🔗Apply on www.nsiindia.gov.in/InternalPage.aspx?Id_Pk=53