Public Provident Fund (PPF) is a secure long-term investment. Besides maturity benefits, you can also take a loan against it after 5 years. Know the key rules!
Introduction
Only those who complete 5 years in PPF can apply. You can borrow just once in your lifetime, up to 25% of your deposited amount.
Eligibility
The maximum loan amount is 25% of your PPF balance. After 6 years, partial withdrawals are also allowed in emergencies.
Loan Limit
PPF loans charge 8.1% interest (varies by bank). No collateral is needed—your PPF balance acts as security.
Interest Rate
Visit your PPF bank, fill the loan form, submit your passbook, and wait for approval. Funds will be credited directly.
Application
– Loan allowed only after 5 years– One-time opportunity– Must complete a financial year
Key Rules
PPF loans offer low-interest, no collateral, and quick processing. Ideal for urgent financial needs without breaking your investment.