Written By: Danish
PPF is a government-backed, low-risk scheme offering 7.1% annual interest. Your principal, interest & maturity amount are all tax-free!
For 30% tax bracket investors, a 7% FD gives only 4.9% post-tax returns vs PPF's 7.1% tax-free. Clear winner for long-term savings!
PPF has EEE status - contributions (₹1.5L/yr) under 80C, interest earned & maturity amount are all exempt from tax. Maximum savings!
Lock-in period is 15 years but partial withdrawals allowed after 7 years. Perfect balance of long-term growth & emergency access.
Combine PPF with other 80C options (ELSS, insurance) to maximize tax savings. Ideal for salaried professionals & business owners.
Regular ₹1.5L/year investments at 7.1% can grow to ₹40L+ in 15 years. Power of compounding with zero tax liability!
Open PPF account at post office/banks with ₹500 minimum. Best for risk-averse investors seeking stable, tax-free returns.