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stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-school mr-2 h-full"><path d="M14 22v-4a2 2 0 1 0-4 0v4"></path><path d="m18 10 4 2v8a2 2 0 0 1-2 2H4a2 2 0 0 1-2-2v-8l4-2"></path><path d="M18 5v17"></path><path d="m4 6 8-4 8 4"></path><path d="M6 5v17"></path><circle cx="12" cy="9" r="2"></circle></svg>Home Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan.html" title="Compare Home Loans" aria-label="Compare Home Loans">Compare Home Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a 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href="/home-loan/pradhan-mantri-awas-yojana.html" title="PMAY" aria-label="PMAY">PMAY</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-home-loan.html" title="SBI Home Loan" aria-label="SBI Home Loan">SBI Home Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-home-loan.html" title="HDFC Home Loan" aria-label="HDFC Home Loan">HDFC Home Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Personal Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan.html" title="Compare Personal Loans" aria-label="Compare Personal Loans">Compare Personal Loans</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan Calculator" aria-label="Personal Loan Calculator">Personal Loan Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-interest-rate.html" title="Personal Loan Interest Rates" aria-label="Personal Loan Interest Rates">Personal Loan Interest Rates</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan-eligibility.html" title="Personal Loan Eligibility" aria-label="Personal Loan Eligibility">Personal Loan Eligibility</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/sbi-personal-loan.html" title="SBI Personal Loan" aria-label="SBI Personal Loan">SBI Personal Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/hdfc-personal-loan.html" title="HDFC Personal Loan" aria-label="HDFC Personal Loan">HDFC Personal Loan</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Other Loans <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan.html" title="Car Loan" aria-label="Car Loan">Car Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/two-wheeler-loan.html" title="Two Wheeler Loan" aria-label="Two Wheeler Loan">Two Wheeler Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/education-loan.html" title="Education Loan" aria-label="Education Loan">Education Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-loan.html" title="Gold Loan" aria-label="Gold Loan">Gold Loan</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/loan-against-property.html" title="Loan Against Property" aria-label="Loan Against Property">Loan Against Property</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-calculator mr-2 h-full"><rect width="16" height="20" x="4" y="2" rx="2"></rect><line x1="8" x2="16" y1="6" y2="6"></line><line x1="16" x2="16" y1="14" y2="18"></line><path d="M16 10h.01"></path><path d="M12 10h.01"></path><path d="M8 10h.01"></path><path d="M12 14h.01"></path><path d="M8 14h.01"></path><path d="M12 18h.01"></path><path d="M8 18h.01"></path></svg>Calculators <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/finance-tools/emi-calculator.html" title="EMI Calculator" aria-label="EMI Calculator">EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/home-loan/emi-calculator.html" title="Home Loan EMI Calculator" aria-label="Home Loan EMI Calculator">Home Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/personal-loan/emi-calculator.html" title="Personal Loan EMI Calculator" aria-label="Personal Loan EMI Calculator">Personal Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/car-loan/emi-calculator.html" title="Car Loan EMI Calculator" aria-label="Car Loan EMI Calculator">Car Loan EMI Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/tax/income-tax-calculator.html" title="Income Tax Calculator" aria-label="Income Tax Calculator">Income Tax Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit/fd-calculator.html" title="FD Calculator" aria-label="FD Calculator">FD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit/rd-interest-calculator.html" title="RD Calculator" aria-label="RD Calculator">RD Calculator</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/calculators.html" title="All Financial Calculators" aria-label="All Financial Calculators">All Financial Calculators</a></li></ul></div></details></div><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-indian-rupee mr-2 h-full"><path d="M6 3h12"></path><path d="M6 8h12"></path><path d="m6 13 8.5 8"></path><path d="M6 13h3"></path><path d="M9 13c6.667 0 6.667-10 0-10"></path></svg>Investments <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/fixed-deposit-rate.html" title="Fixed Deposit" aria-label="Fixed Deposit">Fixed Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/recurring-deposit-rates.html" title="Recurring Deposit" aria-label="Recurring Deposit">Recurring Deposit</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/savings-account.html" title="Savings Account" aria-label="Savings Account">Savings Account</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes.html" title="Saving Schemes" aria-label="Saving Schemes">Saving Schemes</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gold-rate-india.html" title="Gold Rate" aria-label="Gold Rate">Gold Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/silver-rate-india.html" title="Silver Rate" aria-label="Silver Rate">Silver Rate</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/mutual-fund.html" title="Mutual Funds" aria-label="Mutual Funds">Mutual Funds</a></li></ul></div></details></div><span><a href="/credit-score.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-wallet-cards mr-2 h-full"><rect width="18" height="18" x="3" y="3" rx="2"></rect><path d="M3 9a2 2 0 0 1 2-2h14a2 2 0 0 1 2 2"></path><path d="M3 11h3c.8 0 1.6.3 2.1.9l1.1.9c1.6 1.6 4.1 1.6 5.7 0l1.1-.9c.5-.5 1.3-.9 2.1-.9H21"></path></svg><span class="flex-auto "><strong><p class="text-sm ">Credit Score</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-free-badge.webp" alt="FREE" title="FREE" width="40" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-file-text mr-2 h-full"><path d="M15 2H6a2 2 0 0 0-2 2v16a2 2 0 0 0 2 2h12a2 2 0 0 0 2-2V7Z"></path><path d="M14 2v4a2 2 0 0 0 2 2h4"></path><path d="M10 9H8"></path><path d="M16 13H8"></path><path d="M16 17H8"></path></svg>Govt. Utility Documents <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5"><ul class="list-none "><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/pan-card.html" title="Pan Card" aria-label="Pan Card">Pan Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/aadhar-card.html" title="Aadhaar Card" aria-label="Aadhaar Card">Aadhaar Card</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/voter-id.html" title="Voter ID" aria-label="Voter ID">Voter ID</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/electricity-bill.html" title="Electricity Bill" aria-label="Electricity Bill">Electricity Bill</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/driving-licence.html" title="Driving Licence" aria-label="Driving Licence">Driving Licence</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/passport.html" title="Passport" aria-label="Passport">Passport</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/visa.html" title="Visa" aria-label="Visa">Visa</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/gas-connection.html" title="Gas Connection" aria-label="Gas Connection">Gas Connection</a></li><li class="text-sm ml-6 pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/ration-card.html" title="Ration Card" aria-label="Ration Card">Ration Card</a></li></ul></div></details></div><span><a href="/getapp.html" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 minW-auto bg-inherit text-inherit hover:bg-inherit no-underline h-auto text-wrap font-medium focus-visible:ring-0 w-full py-4"><span class="mr-2"><img src="https://www.bankbazaar.com/images/common/bbicons-menu-download-app.webp" alt="Download App" title="Download App" width="25" height="28" style="max-width:100%;display:inline"/></span><span class="flex-auto "><strong><p class="text-sm ">Download Mobile App</p></strong></span><img src="https://www.bankbazaar.com/images/common/bbicons-menu-android-star-badge.webp" alt="Badge" title="Badge" width="12" height="20" style="max-width:100%;display:inline"/></a></span><div class="border bg-transparent hover:bg-transparent text-sm"><details name="accordion" class="px-4 py-4"><summary class="cursor-pointer block relative"><strong><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-umbrella mr-2 h-full"><path d="M22 12a10.06 10.06 1 0 0-20 0Z"></path><path d="M12 12v8a2 2 0 0 0 4 0"></path><path d="M12 2v1"></path></svg>Insurance <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 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data-testid="breadcrumb-json-ld">{"@context":"https://schema.org","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https://www.bankbazaar.com/"},{"@type":"ListItem","position":2,"name":"Saving Schemes","item":"https://www.bankbazaar.com/saving-schemes.html"},{"@type":"ListItem","position":3,"name":"PPF"}]}</script><div id="ad-skyscraper-left" data-inline-ad-position="LEFT"></div><div id="ad-skyscraper-right" data-inline-ad-position="RIGHT"></div><div class="grid grid-cols-12 gap-2.5"><div class=" lg:col-span-2 md:col-span-2"><aside><div class="rounded-lg border border-slate-200 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-gray-light text-gray"><div class="p-2.5"><h4 class="text-sm font-bold ">Important pages from Saving Schemes</h4><ul class="list-none "><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf.html" title="Employee Provident Fund" target="_blank" aria-label="Employee Provident Fund">EPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-your-epf-balance-online.html" title="Employee Provident Fund Balance" target="_blank" aria-label="Employee Provident Fund Balance">EPF Balance</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pf-withdrawal-rules.html" title="Provident Fund Withdrawal Rules" target="_blank" aria-label="Provident Fund Withdrawal Rules">PF Withdrawal Rules</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/epf-e-passbook.html" title="Employee Provident Fund Passbook" target="_blank" aria-label="Employee Provident Fund Passbook">EPF Passbook</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-pf-status-online.html" title="Provident Fund Status" target="_blank" aria-label="Provident Fund Status">PF Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/all-about-epf-claim-status.html" title="PF Claim Status" target="_blank" aria-label="PF Claim Status">EPF Claim Status</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/uan.html" title="Universal Account Number" target="_blank" aria-label="Universal Account Number">UAN</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/know-about-epfo-universal-account-number.html" title="Universal Account Number Registration" target="_blank" aria-label="Universal Account Number Registration">UAN Registration</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html" title="Universal Account Number Login" target="_blank" aria-label="Universal Account Number Login">UAN Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-login-to-epfo-member-portal.html" title="Employee Provident Fund Organization Login" target="_blank" aria-label="Employee Provident Fund Organization Login">EPFO Login</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/how-to-check-epf-balance-sms.html" title="PF Balance Number" target="_blank" aria-label="PF Balance Number">PF Balance Number</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/ppf.html" title="Public Provident Fund" target="_blank" aria-label="Public Provident Fund">PPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps.html" title="National Pension Scheme" target="_blank" aria-label="National Pension Scheme">NPS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nps-calculator.html" title="National Pension Scheme Calculator" target="_blank" aria-label="National Pension Scheme Calculator">NPS Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-yojana-account.html" title="Sukanya Samriddhi Yojana Account" target="_blank" aria-label="Sukanya Samriddhi Yojana Account">Sukanya Samriddhi Yojana Account</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/sukanya-samriddhi-account-calculator.html" title="Sukanya Samriddhi Calculator" target="_blank" aria-label="Sukanya Samriddhi Calculator">Sukanya Samriddhi Calculator</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/atal-pension-yojana.html" title="Atal Pension Yojana" target="_blank" aria-label="Atal Pension Yojana">Atal Pension Yojana</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-jan-dhan-yojana.html" title="Pradhan Mantri Jan Dhan Yojana" target="_blank" aria-label="Pradhan Mantri Jan Dhan Yojana">PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html" title="Zero Balance Account through PM Jan Dhan Yojana" target="_blank" aria-label="Zero Balance Account through PM Jan Dhan Yojana">Zero Balance Account through PMJDY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html" title="Pradhan Mantri Vaya Vandana Yojana" target="_blank" aria-label="Pradhan Mantri Vaya Vandana Yojana">PMVVY</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/vpf.html" title="Voluntary Provident Fund" target="_blank" aria-label="Voluntary Provident Fund">VPF</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/kisan-vikas-patra.html" title="Kisan Vikas Patra" target="_blank" aria-label="Kisan Vikas Patra">Kisan Vikas Patra</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/senior-citizen-saving-scheme.html" title="Senior Citizen Savings Scheme" target="_blank" aria-label="Senior Citizen Savings Scheme">SCSS</a></li><li class="text-sm pt-1 pb-1"><a class="inline-flex hover:underline no-underline text-bbBlue" href="/saving-schemes/nsc.html" title="National Savings Certificate" target="_blank" aria-label="National Savings Certificate">NSC</a></li></ul></div></div><div data-inline-ad-position="LEFT_NAV"></div></aside></div><div class=" lg:col-span-10 md:col-span-10 col-span-12"><div class="flex flex-col gap-2.5 px-1"><div class="items-center flex gap-2.5"><h1 class="text-xl font-bold ">PPF - Public Provident Fund 2024</h1></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-primary-light"><div class="p-2.5"><div class="pr-md font-large" style="max-height:500px;overflow-y:auto"><h2 class="text-lg font-bold pt-5">What is Public Provident Fund (PPF)?</h2><p class="text-base "><strong>Public Provident Fund</strong> (PPF) is a long-term savings scheme in India, offering tax benefits and a fixed interest rate. It is designed to help individuals save for retirement with guaranteed returns and government-backed security.</p></div></div></div><div><div class="mb-xl"><span style="background-color:#ffff009c" class="mb-xl">Updated On - 04 Dec 2024</span></div><div class="flex flex-col gap-1"><div class="mb-2.5"><a href="/hindi/saving-schemes/ppf.html"><img src="https://static.bankbazaar.com/images/common/read-in-hindi.png" alt="Read in Hindi" title="Read in Hindi" style="max-width:100%;display:block;margin:0 auto"/></a></div><p class="text-base ">Launched in 1968 by the National Savings Institute under the Ministry of Finance, the PPF scheme aims to encourage individuals to make small savings while earning returns on these investments.聽</p><p class="text-base ">The PPF scheme offers an attractive rate of interest and no <a href="/tax.html" target="_blank">tax </a>is required to be paid on the returns that are generated from the interest rates.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><div class="mb-2.5"><img src="https://static.bankbazaar.com/images/india/infographic/ppf.webp" alt="PPF" title="Public Provident Fund" width="400" height="250" loading="lazy" style="max-width:100%;display:block;float:left;margin:0 auto"/></div></div><div><div class="flex flex-col gap-1"><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Tenure</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">15 years (Can be renewed in blocks of 5 years)</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Interest rate</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">7.1%</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Investment Amount</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Minimum Rs.500</p><p class="text-base ">Maximum Rs.1.5 lakh p.a.</p></td></tr><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 bg-secondary text-secondary-foreground border-l p-2" colSpan="1" rowSpan="1"><p class="text-base "><strong>Maturity Amount</strong></p></td><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Depends on the investment tenure</p></td></tr></tbody></table></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">Features of a PPF account</h2><p class="text-base ">The main features of the PPF account are mentioned below:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Investment Limits:聽</strong>For a PPF, you should have a minimum investment of Rs.500 and your maximum investment is Rs.1.5 lakh for every financial year.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Tenure of the PPF:聽</strong>The minimum tenure of a PPF is 15 years. This can be extended in sets of 5 years.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Deposit Frequency:聽</strong>Deposits can be made as a lumpsum once a year or in 12 instalments (maximum).</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Opening Balance:聽</strong>You can open a PPF account with Rs.100 and annual investments over Rs.1.5 lakh will not earn any interest.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Nomination:聽</strong>As a PPF account holder, you can have a nominee for your account when you open the account or after.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Mode of deposit:聽</strong>You can make a deposit into the PPF account via <a href="https://www.bankbazaar.com/ifsc/know-your-cheque.html" target="_blank">cheque</a>, cash, <a href="https://www.bankbazaar.com/ifsc/demand-draft.html" target="_blank">demand draft</a>, or online fund transfer.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Risk factor:聽</strong>The PPF is backed by the Indian government, and so, it is risk-free and offers guaranteed returns.</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Joint accounts:聽</strong>You can hold a PPF account in only one individual's name.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">How Does a PPF Account Work?聽</h2><p class="text-base ">A PPF account can be opened by an adult for themselves or on behalf of a minor, with a tenure of 15 years and a lock-in period of the same duration. You can deposit between Rs. 500 and Rs. 1.5 lakh per financial year, either as a lump sum or in multiple instalments, with no limit on the number of deposits per year. Contributions are required each financial year to keep the account active, and they qualify for income tax exemption under Section 80C.聽</p><p class="text-base ">A minimum deposit of Rs. 500 annually is mandatory to maintain the account. If missed, the account is marked inactive, and reactivation requires a Rs. 50 penalty along with the minimum Rs. 500 deposit.聽</p><p class="text-base ">The account currently earns 7.1% p.a. (Q2 FY2024-25), compounded annually. A loan facility is available against the PPF balance, and partial withdrawals are allowed under certain conditions. Upon maturity, you can extend the account with or without further deposits or close it altogether.聽</p><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">Tax Benefits you get When you Invest in Public Provident Fund</h2><p class="text-base ">The following are the tax benefits that you can avail yourself of when you invest in PPF:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Public Provident Fund is an investment which comes under the Exempt-Exempt-Exempt (EEE) category.</li><li class="pt-1 pb-1">This means that the deposits that you make in the Public Provident Fund will be deductible (<a href="https://cleartax.in/s/80c-80-deductions/" rel="nofollow">Section 80C</a> of the Income Tax Act).</li><li class="pt-1 pb-1">The amount that you accumulate and the interest will be exempt from tax when you withdraw the money.</li><li class="pt-1 pb-1">You should note that you cannot close a Public Provident Fund account before maturity.</li><li class="pt-1 pb-1">You cannot close a Public Provident Fund account prematurely.</li></ol><p class="text-base ">Investments that are made under a PPF account come under the Exempt-Exempt-Exempt (EEE) category. Therefore, under Section 80C of the <a href="/tax/income-tax-act.html" target="_blank">Income Tax Act</a>, all deposits made towards a PPF account are <a href="/tax/tax-exemption.html" target="_blank">tax exempt</a>. The amount that has been saved as well as the interest that has been generated are also exempt from tax when the individual withdraws the amount from the PPF account.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">Eligibility to Open a PPF account</h2><p class="text-base ">You can invest in the PPF if you meet the criteria mentioned below:聽<br/></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You must be a citizen of India.聽</li><li class="pt-1 pb-1">You can open only one PPF account unless your second PPF account is in the name of a minor.聽</li><li class="pt-1 pb-1">It is not possible for HUFs or NRIs to open a PPF account. If they already have a PPF account in their name, it will continue to be active until its conclusion. However, these accounts are not eligible for a five-year extension as they are for Indian citizens.聽聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">The Importance of PPF</h2><p class="text-base ">The following are the significances of PPF:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">PPF is considered to be one of the best investment tools and is suitable for those with low-risk appetite.</li><li class="pt-1 pb-1">The returns are low since this investment tool is market linked.</li><li class="pt-1 pb-1">The returns are fixed and can be used as a diversification tool and also offers tax-saving benefits.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">PPF Account Nomination Guidelines聽</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Nomination can be assigned to one or more individuals. If multiple nominees are chosen, the account holder should specify the percentage share for each nominee.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Nomination is not permitted for a minor's PPF account.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The account holder may nominate family members, including parents, spouses, children, relatives, or friends.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">To add a nominee, the account holder needs to submit Form E.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Nomination can be made at any point during the account's tenure. Modifications, cancellations, or changes to the nomination can be made via the 'Application for Change of Nomination'.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The nomination form must be signed by the account holder and two witnesses; nominee signatures are not required.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Once completed, the form should be submitted to the relevant bank or post office branch.聽</li></ol><h2 class="text-lg font-bold pt-5">PPF Account Extension Options聽</h2><p class="text-base ">A PPF account matures 15 years from the end of the financial year in which it was opened. Upon maturity, the account holder may extend the account in 5-year blocks with two options:聽</p><p class="text-base "><strong>Extension with Contribution</strong>聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">The account can be extended indefinitely in five-year blocks by submitting Form H.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">This choice must be made within one year from the maturity date; otherwise, the account defaults to extension without contributions.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">With this option, up to 60% of the balance at the time of extension can be withdrawn, either as a lump sum or spread across multiple years, with a maximum of one withdrawal annually.聽</li></ol><p class="text-base "><strong>Extension without Further Contribution</strong>聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">If no choice is made, the account automatically extends without additional contributions.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">No form is required for this option.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">One withdrawal is permitted per year up to the total balance.聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Once an account is extended with or without contributions, the choice is fixed and cannot be changed.聽</li></ol><p class="text-base ">Note: If contributions are made without selecting the appropriate option, no interest will be paid on those contributions, and no tax deduction will apply to them.聽</p><h2 class="text-lg font-bold pt-5">Loan against PPF</h2><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">You can avail yourself of the option of availing <a href="https://www.bankbazaar.com/saving-schemes/loan-against-ppf-account.html" target="_blank">loan against your PPF</a> during the third and sixth year of your contribution. The maximum tenure for which you can avail this loan is for three years.</li><li class="pt-1 pb-1">The loan amount that you can avail should be 25% of the total amount available in your PPF account.</li><li class="pt-1 pb-1">If you repay your first loan completely, then you can take a second loan before the beginning of the sixth year.</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><div class="text-center px-2.5 py-1"><iframe data-testid="video-test-id" loading="lazy" class="lazy-loaded" style="max-width:100%" src="https://www.youtube.com/embed/fXZWJOLmtxw" width="720" height="405" frameBorder="0" allowFullScreen=""></iframe></div><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><div data-inline-ad-position="HUNGRY_FOR_MORE"></div><h2 class="text-lg font-bold pt-5">How does your Form C look like?</h2><p class="text-base ">Form C has the below-mentioned sections:聽<br/></p><p class="text-base "><strong>Section 1 </strong>will have a declaration section where you will have to mention your PPF account number and the amount you wish to withdraw. You will also have to mention the number of years since you opened the PPF account</p><p class="text-base "><strong>Section 2</strong> will require the mention of several details such as:</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Date on which the PPF account was opened</li><li class="pt-1 pb-1">Total outstanding balance in the PPF account</li><li class="pt-1 pb-1">Date on the amount was previously withdrawn</li><li class="pt-1 pb-1">Total amount withdrawn</li><li class="pt-1 pb-1">The amount sanctioned for withdrawal</li><li class="pt-1 pb-1">Date and signature of the service manager.</li></ol><p class="text-base "><strong>Section 3:</strong> Bank details will need to be provided in this section. Money will be credited into the bank account that is mentioned. PPF passbook copy must also be submitted along with the form.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">Premature Closure of a PPF</h2><p class="text-base ">After completion of 5 years is it possible for individuals to opt for premature closure.聽 However, premature closure is allowed for treating diseases that can cause harm to the life of the <a href="/saving-schemes/how-to-check-ppf-account-balance.html" target="_blank">PPF account holder</a>, parents, children, or spouse.聽 For which, documents from an accomplished medical authority must be submitted.</p><p class="text-base ">Premature closure is allowed in case of higher studies of the minor account holder or for the account holder as well. However, documents such as fee bill and the admission confirmation from a recognised university in India or abroad must be submitted.</p><h2 class="text-lg font-bold pt-5">Attachment of a PPF Account</h2><p class="text-base ">Debtors will not be able to access the PPF account of the individual to claim their dues as the PPF account cannot be attached by a court. However, this rule does not apply to <a href="/income-tax.html" target="_blank">income tax</a> authorities. Therefore, if the account holder has any dues pending, the PPF account can be attached for the payment of dues.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">PPF Withdrawal</h2><p class="text-base ">Once your PPF account attains maturity, you can then withdraw the complete maturity amount, here the tenure being 15 years. After 15 years the complete deposit amount along with the interest accrued will be disbursed to your bank account.</p><p class="text-base ">However, in case you are in immediate need of funds, you can partially withdraw from the seventh year onwards. You can make a <a href="https://www.bankbazaar.com/saving-schemes/public-provident-fund-withdrawal-rules-and-process.html" target="_blank">premature withdrawal </a>of up to 50% of the total amount available in your account at the end of the fourth year. However, this facility can be availed only once.</p><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">How to link Aadhaar with a Public Provident Fund account online?</h2><p class="text-base ">Given below is the procedure to link your Aadhaar number with the PPF account online:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Log into the internet banking account.聽</li><li class="pt-1 pb-1">Select '<strong>Registration of Aadhaar Number in Internet Banking</strong>'聽</li><li class="pt-1 pb-1">Type in the 12-digit Aadhaar number and click '<strong>Confirm</strong>'.聽</li><li class="pt-1 pb-1">Choose the Public Provident Fund account you want to link with your Aadhaar card聽</li><li class="pt-1 pb-1">Click on '<strong>Inquiry</strong>' to check if the Aadhaar linking is done.</li></ol><h2 class="text-lg font-bold pt-5">Banks that Offer PPF account </h2><p class="text-base ">Here is the list of all the聽participating banks聽that are offering PPF account:聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Axis Bank聽聽</li><li class="pt-1 pb-1">Bank of Baroda聽聽</li><li class="pt-1 pb-1">Bank of India聽聽</li><li class="pt-1 pb-1">Bank of Maharashtra聽聽</li><li class="pt-1 pb-1">Central Bank of India聽聽</li><li class="pt-1 pb-1">HDFC Bank聽聽</li><li class="pt-1 pb-1">ICICI Bank聽聽</li><li class="pt-1 pb-1">IDBI Bank聽聽</li><li class="pt-1 pb-1">Kotak Mahindra Bank聽聽</li><li class="pt-1 pb-1">Punjab National Bank聽聽</li><li class="pt-1 pb-1">State Bank of India聽聽</li><li class="pt-1 pb-1">Union Bank of India聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check Your Credit Score for FREE">Check Your Credit Score for FREE</a></div><h2 class="text-lg font-bold pt-5">How to Activate an Inactive PPF Account?聽</h2><p class="text-base ">The following is the procedure to reactivate the PPF account:聽聽<br/></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Submit a letter to the bank or post office branch where PPF account was opened聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Request them for reactivating the PPF account聽</li><li class="pt-1 pb-1">Make a payment of Rs.500 for each year the contribution is pending聽</li><li class="pt-1 pb-1">Pay a penalty of amount Rs.50 for each inactive year聽</li><li class="pt-1 pb-1">After making the payment, the bank or post office will process the application and reactive the PPF account聽</li></ol><h2 class="text-lg font-bold pt-5">Limitation of PPF聽</h2><p class="text-base ">The following are some of the limitations of Public Provident Fund (PPF):聽</p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">PPF account does not offer a high interest rate compared to other <a href="/saving-schemes.html" target="_blank">saving schemes</a>, such as ELSS, that can provide returns in double digits to investors.聽</li><li class="pt-1 pb-1">PPF does not provide the facility of opening joint account with your spouse or other family members聽</li><li class="pt-1 pb-1">Investment is restricted to Rs.1.5 lakh per year in PPF unlike other saving schemes, such as <a href="/saving-schemes/nps.html" target="_blank">NPS</a> (National Pension Scheme), FDs (<a href="/fixed-deposit-rate.html" target="_blank">Fixed Deposits</a>),聽 <a href="/mutual-fund/equity-linked-savings-scheme.html" target="_blank">ELSS</a> (Equity Linked Savings Scheme Fund), etc.聽</li><li class="pt-1 pb-1">Lock-in period is 15 years unlike other <a href="/saving-schemes.html" target="_blank">savings schemes</a> where lock-in period is three years聽</li></ol><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">PPF account cannot be opened by an NRI applicant聽</li></ol><p class="text-base "><strong>Note:聽</strong></p><ol class="list-disc list-outside ml-4 mr-4 "><li class="pt-1 pb-1">Tax benefits offered by PPF are the same as the other schemes, which is Rs.1.5 lakh as per section 80C.聽</li><li class="pt-1 pb-1">Resident Indian whose status has changed to NRI can continue to invest in the existing PPF account but cannot open a new PPF account.聽</li></ol><div class="text-center mt-4 mb-4"><a href="https://www.bankbazaar.com/credit-score.html?variant=slide&WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17735&utm_source=bb&utm_medium=seo&utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17735" class="inline-flex items-center justify-center whitespace-nowrap rounded-md text-sm ring-offset-white transition-colors focus-visible:outline-none focus-visible:ring-slate-950 focus-visible:ring-offset-2 disabled:pointer-events-none disabled:opacity-50 dark:ring-offset-slate-950 dark:focus-visible:ring-slate-300 dark:bg-slate-50 dark:text-slate-900 dark:hover:bg-slate-50/90 px-4 py-2 minW-auto no-underline h-auto text-wrap font-medium focus-visible:ring-0 bg-destructive text-destructive-foreground hover:bg-destructive-300" title="Check FREE Credit Score">Check FREE Credit Score</a></div></div><h2 class="text-lg font-bold pt-4">FAQs on Public Provident Fund (PPF)</h2><ul class="list-decimal list-outside ml-4 mr-4 "><li class="pt-1 pb-1"><strong>Can I open a PPF account along with my wife or child?</strong><p class="text-base ">No. The option to hold PPF accounts jointly is not provided under the PPF scheme. A person can hold and operate only one account in his/her own name.</p></li><li class="pt-1 pb-1"><strong>Will my inactive PPF account continue to earn interest? </strong><p class="text-base ">No, interest is not accrued for the years the account remains inactive. Once the account is reactivated, interest will be calculated based on the balance available at that time.</p></li><li class="pt-1 pb-1"><strong>Can I claim tax deductions on both my PPF account and my minor daughter's PPF account?</strong><p class="text-base ">The maximum combined investment allowed for tax deduction under Section 80C of the Income Tax Act is Rs. 1.5 lakh per financial year across your account, your spouse's account, and any minor child's PPF account.聽</p></li><li class="pt-1 pb-1"><strong>Can I open a PPF account for my grandchild? </strong><p class="text-base ">No, only parents or legal guardians can open and manage a PPF account on behalf of a minor.聽</p></li><li class="pt-1 pb-1"><strong>Is a three-year extension possible for my PPF account upon maturity? </strong><p class="text-base ">No, PPF accounts can only be extended in five-year blocks.聽</p></li><li class="pt-1 pb-1"><strong> Can I transfer my PPF account to a different branch or office?</strong><p class="text-base ">Yes, you can transfer your PPF account to another branch or office.聽</p></li><li class="pt-1 pb-1"><strong>How can a nominee claim the PPF account in case of the account holder's death? </strong><p class="text-base ">Nominees can claim the PPF balance using Form G along with required documents, including the death certificate, succession certificate, PPF passbook, Letter of Indemnity, and an affidavit. For balances under Rs. 1 lakh, a succession certificate isn't needed. A legal heir may also claim the account without a nominee by providing these documents.聽</p></li><li class="pt-1 pb-1"><strong>What is the purpose of a PPF account? </strong><p class="text-base ">PPF accounts are intended to earn competitive interest while saving on taxes. With a low-risk profile, PPF investments offer tax deductions of up to Rs. 1.5 lakh under Section 80C during income tax filing.聽</p></li><li class="pt-1 pb-1"><strong>Can a female subscriber change her name in the PPF account after marriage? </strong><p class="text-base ">Yes, a female subscriber can request a name change in her PPF account due to marriage by providing the necessary documentary evidence.聽</p></li><li class="pt-1 pb-1"><strong>Can parents partially withdraw funds from a minor's PPF account? </strong><p class="text-base ">Yes, parents or guardians may make partial withdrawals from a minor's PPF account after submitting a declaration stating the funds are needed for the minor's benefit. Withdrawals are permitted only for the minor's use, such as for educational expenses or medical needs.聽</p></li><li class="pt-1 pb-1"><strong>How do you convert a minor PPF account to a major one? </strong><p class="text-base ">When a minor PPF account holder reaches 18, the account status can be updated to a major by submitting a revised application form with documents verifying the account holder's age. The guardian should submit the application with the account holder's signature for attestation.聽</p></li><li class="pt-1 pb-1"><strong> Is it mandatory to withdraw the PPF balance after 15 years? </strong><p class="text-base ">No, withdrawing the PPF balance upon maturity after 15 years is not required. You can keep the funds in the account, allowing it to continue earning interest until you decide to close it.聽</p></li></ul><script type="application/ld+json" data-testid="faq-json-ld">{"@context":"https://schema.org","@type":"FAQPage","mainEntity":[{"@type":"Question","name":"Can I open a PPF account along with my wife or child?","acceptedAnswer":{"@type":"Answer","text":"No. The option to hold PPF accounts jointly is not provided under the PPF scheme. A person can hold and operate only one account in his/her own name."}},{"@type":"Question","name":"Will my inactive PPF account continue to earn interest? ","acceptedAnswer":{"@type":"Answer","text":"No, interest is not accrued for the years the account remains inactive. Once the account is reactivated, interest will be calculated based on the balance available at that time."}},{"@type":"Question","name":"Can I claim tax deductions on both my PPF account and my minor daughter's PPF account?","acceptedAnswer":{"@type":"Answer","text":"The maximum combined investment allowed for tax deduction under Section 80C of the Income Tax Act is Rs. 1.5 lakh per financial year across your account, your spouse's account, and any minor child's PPF account. ."}},{"@type":"Question","name":"Can I open a PPF account for my grandchild? ","acceptedAnswer":{"@type":"Answer","text":"No, only parents or legal guardians can open and manage a PPF account on behalf of a minor. ."}},{"@type":"Question","name":"Is a three-year extension possible for my PPF account upon maturity? 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","acceptedAnswer":{"@type":"Answer","text":"PPF accounts are intended to earn competitive interest while saving on taxes. With a low-risk profile, PPF investments offer tax deductions of up to Rs. 1.5 lakh under Section 80C during income tax filing. ."}},{"@type":"Question","name":"Can a female subscriber change her name in the PPF account after marriage? ","acceptedAnswer":{"@type":"Answer","text":"Yes, a female subscriber can request a name change in her PPF account due to marriage by providing the necessary documentary evidence. ."}},{"@type":"Question","name":"Can parents partially withdraw funds from a minor's PPF account? ","acceptedAnswer":{"@type":"Answer","text":"Yes, parents or guardians may make partial withdrawals from a minor's PPF account after submitting a declaration stating the funds are needed for the minor's benefit. 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You can keep the funds in the account, allowing it to continue earning interest until you decide to close it. ."}}]}</script><h2 class="text-lg font-bold pt-2 pb-2">News about PPF</h2><div class="flex flex-col gap-2.5"><div class="mb-xl"><div class="rounded-lg border border-slate-200 bg-white text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative"><div class="flex flex-col space-y-1.5 p-4 bg-secondary text-secondary-foreground"><h3 class="font-semibold tracking-tight text-md text-bold">PPF Interest Rates Remain Unchanged </h3></div><div class="p-2.5"><p class="text-base ">The interest rates for small savings plans that includes Public Provident Fund (PPF) for the quarter ending in June 2024 were released by the government, and it has chosen to maintain the same rates for all of the plans. Known as the exempt-exempt-exempt (EEE) status, PPF is one of the few investment instruments that has the triple tax exemption. This suggests that tax benefits are given during the investment, accrual, and withdrawal phases. The interest rate on PPF is set by the Indian government and is subject to quarterly adjustments. The PPF interest rate, as of the most recent update in 2024, is 7.1% annually, compounded for the April鈥揓une 2024 quarter.聽</p><div class="text-end px-2.5 py-1">12 March 2024</div></div></div></div></div><div class="rounded-lg border border-slate-200 text-slate-950 shadow-sm dark:border-slate-800 dark:bg-slate-950 dark:text-slate-50 relative bg-secondary-light mt-4"><div class="p-2.5"><div style="overflow:hidden;padding-bottom:10px"><h3 class="text-md font-bold pb-1.5">About the Author</h3><div style="float:left"><img src="https://static.bankbazaar.com/images/common/author_tanveer_male.webp" alt="Tanveer Masood" title="Tanveer Masood" loading="lazy" style="max-width:100%;display:inline;border-radius:100%;width:80px"/><p class="text-sm font-bold inline pl-1.5">Tanveer Masood</p></div><a style="float:right" target="_blank" href="https://www.linkedin.com/in/12195249/" rel="noreferrer"><span class="relative flex h-10 w-10 shrink-0 overflow-hidden rounded-full border justify-center items-center bg-white"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-linkedin"><path d="M16 8a6 6 0 0 1 6 6v7h-4v-7a2 2 0 0 0-2-2 2 2 0 0 0-2 2v7h-4v-7a6 6 0 0 1 6-6z"></path><rect width="4" height="12" x="2" y="9"></rect><circle cx="4" cy="4" r="2"></circle></svg></span></a></div><div class="relative w-full overflow-auto"><table class="w-full caption-bottom text-sm border"><tbody class="[&_tr:last-child]:border-0"><tr class="border-b transition-colors data-[state=selected]:bg-slate-100 dark:hover:bg-slate-800/50 dark:data-[state=selected]:bg-slate-800 hover:bg-inherit even:bg-gray-100 hover:even:bg-gray-100"><td class="align-middle [&:has([role=checkbox])]:pr-0 border-l p-2" colSpan="1" rowSpan="1"><p class="text-base ">Tanveer Masood is an experienced content writer with passion for simplifying personal finance topics for the readers. In a career spanning 12 years, he has written content for a wide range of websites, blogs, magazines, news papers and for a variety of topics. Tanveer has been a part of the content team at BankBazaar since 2015, and has through his writing, tried to educate people about different aspects of personal finance such as credit cards, loans, managing taxes, investments and so on.聽聽</p></td></tr></tbody></table></div></div></div><script type="application/ld+json" data-testid="organization-json-ld">{"@context":"http://schema.org","@type":"Organization","name":"BankBazaar","url":"https://www.bankbazaar.com/","logo":"https://static.bankbazaar.com/images/bankbazaar-logo.png","sameAs":["https://www.facebook.com/bankbazaar/","https://twitter.com/bankbazaar","https://www.instagram.com/bankbazaar/","https://www.linkedin.com/company/417362/","https://www.youtube.com/@BankBazaar","https://in.linkedin.com/company/bank_bazaar"]}</script></div></div></div></div></div><div class="py-5"><div class="border bg-transparent hover:bg-transparent"><details name="accordion" class="px-2.5 py-2.5"><summary class="cursor-pointer block relative"><strong>Disclaimer <span class="accordion-arrow absolute right-2.5"><svg xmlns="http://www.w3.org/2000/svg" width="24" height="24" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-chevron-down"><path d="m6 9 6 6 6-6"></path></svg></span></strong></summary><div class="py-2.5">Display of any trademarks, tradenames, logos and other subject matters of intellectual property belong to their respective intellectual property owners. 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window.history.replaceState({ key }, ""); } try { let positions = JSON.parse(sessionStorage.getItem(STORAGE_KEY) || "{}"); let storedY = positions[restoreKey || window.history.state.key]; if (typeof storedY === "number") { window.scrollTo(0, storedY); } } catch (error) { console.error(error); sessionStorage.removeItem(STORAGE_KEY); } })("positions", null)</script><script>window.__remixContext = {"basename":"/","future":{"v3_fetcherPersist":true,"v3_relativeSplatPath":true,"v3_throwAbortReason":true,"unstable_singleFetch":false,"unstable_lazyRouteDiscovery":false,"unstable_optimizeDeps":false},"isSpaMode":false,"state":{"loaderData":{"root":{"namespace":"saving-schemes/ppf","gtmId":"GTM-TRB8XL","wenEngageId":"~13410604b","appshell":true},"routes/default/route":{"productType":"ALL","categoryType":"SAVING_SCHEME","bankId":1001,"pageData":{"id":17735,"showUpdatedOn":true,"showTOC":false,"hideOfferTable":true,"news":{"items":[{"title":"PPF Interest Rates Remain Unchanged ","article":[{"type":"paragraph","data":{"text":"The interest rates for small savings plans that includes Public Provident Fund (PPF) for the quarter ending in June 2024 were released by the government, and it has chosen to maintain the same rates for all of the plans. Known as the exempt-exempt-exempt (EEE) status, PPF is one of the few investment instruments that has the triple tax exemption. This suggests that tax benefits are given during the investment, accrual, and withdrawal phases. The interest rate on PPF is set by the Indian government and is subject to quarterly adjustments. The PPF interest rate, as of the most recent update in 2024, is 7.1% annually, compounded for the April鈥揓une 2024 quarter.\u0026nbsp;"}}],"updatedOn":"2024-03-12"}],"title":"News about PPF"},"faqs":{"items":[{"answer":[{"data":{"text":"No. The option to hold PPF accounts jointly is not provided under the PPF scheme. A person can hold and operate only one account in his/her own name."},"type":"paragraph"}],"question":"Can I open a PPF account along with my wife or child?"},{"question":"Will my inactive PPF account continue to earn interest? ","answer":[{"type":"paragraph","data":{"text":"No, interest is not accrued for the years the account remains inactive. Once the account is reactivated, interest will be calculated based on the balance available at that time."}}]},{"question":"Can I claim tax deductions on both my PPF account and my minor daughter's PPF account?","answer":[{"type":"paragraph","data":{"text":"The maximum combined investment allowed for tax deduction under Section 80C of the Income Tax Act is Rs. 1.5 lakh per financial year across your account, your spouse's account, and any minor child's PPF account.\u0026nbsp;"}}]},{"question":"Can I open a PPF account for my grandchild? ","answer":[{"type":"paragraph","data":{"text":"No, only parents or legal guardians can open and manage a PPF account on behalf of a minor.\u0026nbsp;"}}]},{"question":"Is a three-year extension possible for my PPF account upon maturity? ","answer":[{"type":"paragraph","data":{"text":"No, PPF accounts can only be extended in five-year blocks.\u0026nbsp;"}}]},{"question":" Can I transfer my PPF account to a different branch or office?","answer":[{"type":"paragraph","data":{"text":"Yes, you can transfer your PPF account to another branch or office.\u0026nbsp;"}}]},{"question":"How can a nominee claim the PPF account in case of the account holder's death? ","answer":[{"type":"paragraph","data":{"text":"Nominees can claim the PPF balance using Form G along with required documents, including the death certificate, succession certificate, PPF passbook, Letter of Indemnity, and an affidavit. For balances under Rs. 1 lakh, a succession certificate isn't needed. A legal heir may also claim the account without a nominee by providing these documents.\u0026nbsp;"}}]},{"question":"What is the purpose of a PPF account? ","answer":[{"type":"paragraph","data":{"text":"PPF accounts are intended to earn competitive interest while saving on taxes. With a low-risk profile, PPF investments offer tax deductions of up to Rs. 1.5 lakh under Section 80C during income tax filing.\u0026nbsp;"}}]},{"question":"Can a female subscriber change her name in the PPF account after marriage? ","answer":[{"type":"paragraph","data":{"text":"Yes, a female subscriber can request a name change in her PPF account due to marriage by providing the necessary documentary evidence.\u0026nbsp;"}}]},{"question":"Can parents partially withdraw funds from a minor's PPF account? ","answer":[{"type":"paragraph","data":{"text":"Yes, parents or guardians may make partial withdrawals from a minor's PPF account after submitting a declaration stating the funds are needed for the minor's benefit. Withdrawals are permitted only for the minor's use, such as for educational expenses or medical needs.\u0026nbsp;"}}]},{"question":"How do you convert a minor PPF account to a major one? ","answer":[{"type":"paragraph","data":{"text":"When a minor PPF account holder reaches 18, the account status can be updated to a major by submitting a revised application form with documents verifying the account holder's age. The guardian should submit the application with the account holder's signature for attestation.\u0026nbsp;"}}]},{"question":" Is it mandatory to withdraw the PPF balance after 15 years? ","answer":[{"type":"paragraph","data":{"text":"No, withdrawing the PPF balance upon maturity after 15 years is not required. You can keep the funds in the account, allowing it to continue earning interest until you decide to close it.\u0026nbsp;"}}]}],"title":"FAQs on Public Provident Fund (PPF)"},"hungryForMore":[{"type":"image","data":{"alt":"Read in Hindi","link":"/hindi/saving-schemes/ppf.html","title":"Read in Hindi","src":"https://static.bankbazaar.com/images/common/read-in-hindi.png"}},{"type":"paragraph","data":{"text":"Launched in 1968 by the National Savings Institute under the Ministry of Finance, the PPF scheme aims to encourage individuals to make small savings while earning returns on these investments.\u0026nbsp;"}},{"type":"paragraph","data":{"text":" The PPF scheme offers an attractive rate of interest and no \u003ca href=\"/tax.html\" target=\"_blank\"\u003etax \u003c/a\u003eis required to be paid on the returns that are generated from the interest rates."}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"image","data":{"float":"right","lazy":true,"src":"https://static.bankbazaar.com/images/india/infographic/ppf.webp","alt":"PPF","title":"Public Provident Fund","width":400,"height":250}},{"type":"table","data":{"rows":[{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eTenure\u003c/strong\u003e"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"15 years (Can be renewed in blocks of 5 years)"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eInterest rate\u003c/strong\u003e"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"7.1%"},"type":"paragraph"}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eInvestment Amount\u003c/strong\u003e"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"type":"paragraph","data":{"text":"Minimum Rs.500"}},{"type":"paragraph","data":{"text":"Maximum Rs.1.5 lakh p.a."}}]}]},{"cols":[{"highlight":true,"rowspan":1,"colspan":1,"content":[{"data":{"text":"\u003cstrong\u003eMaturity Amount\u003c/strong\u003e"},"type":"paragraph"}]},{"rowspan":1,"colspan":1,"content":[{"data":{"text":"Depends on the investment tenure"},"type":"paragraph"}]}]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"Features of a PPF account","level":2}},{"type":"paragraph","data":{"text":"The main features of the PPF account are mentioned below:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eInvestment Limits:\u0026nbsp;\u003c/strong\u003eFor a PPF, you should have a minimum investment of Rs.500 and your maximum investment is Rs.1.5 lakh for every financial year.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eTenure of the PPF:\u0026nbsp;\u003c/strong\u003eThe minimum tenure of a PPF is 15 years. This can be extended in sets of 5 years.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eDeposit Frequency:\u0026nbsp;\u003c/strong\u003eDeposits can be made as a lumpsum once a year or in 12 instalments (maximum).","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eOpening Balance:\u0026nbsp;\u003c/strong\u003eYou can open a PPF account with Rs.100 and annual investments over Rs.1.5 lakh will not earn any interest.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eNomination:\u0026nbsp;\u003c/strong\u003eAs a PPF account holder, you can have a nominee for your account when you open the account or after.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eMode of deposit:\u0026nbsp;\u003c/strong\u003eYou can make a deposit into the PPF account via \u003ca href=\"https://www.bankbazaar.com/ifsc/know-your-cheque.html\" target=\"_blank\"\u003echeque\u003c/a\u003e, cash, \u003ca href=\"https://www.bankbazaar.com/ifsc/demand-draft.html\" target=\"_blank\"\u003edemand draft\u003c/a\u003e, or online fund transfer.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eRisk factor:\u0026nbsp;\u003c/strong\u003eThe PPF is backed by the Indian government, and so, it is risk-free and offers guaranteed returns.","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"\u003cstrong\u003eJoint accounts:\u0026nbsp;\u003c/strong\u003eYou can hold a PPF account in only one individual's name.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"How Does a PPF Account Work?\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"A PPF account can be opened by an adult for themselves or on behalf of a minor, with a tenure of 15 years and a lock-in period of the same duration. You can deposit between Rs. 500 and Rs. 1.5 lakh per financial year, either as a lump sum or in multiple instalments, with no limit on the number of deposits per year. Contributions are required each financial year to keep the account active, and they qualify for income tax exemption under Section 80C.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"A minimum deposit of Rs. 500 annually is mandatory to maintain the account. If missed, the account is marked inactive, and reactivation requires a Rs. 50 penalty along with the minimum Rs. 500 deposit.\u0026nbsp;"}},{"type":"paragraph","data":{"text":"The account currently earns 7.1% p.a. (Q2 FY2024-25), compounded annually. A loan facility is available against the PPF balance, and partial withdrawals are allowed under certain conditions. Upon maturity, you can extend the account with or without further deposits or close it altogether.\u0026nbsp;"}},{"type":"header","data":{"text":"Tax Benefits you get When you Invest in Public Provident Fund","level":2}},{"type":"paragraph","data":{"text":"The following are the tax benefits that you can avail yourself of when you invest in PPF:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Public Provident Fund is an investment which comes under the Exempt-Exempt-Exempt (EEE) category.","items":[]},{"content":"This means that the deposits that you make in the Public Provident Fund will be deductible (\u003ca href=\"https://cleartax.in/s/80c-80-deductions/\" rel=\"nofollow\"\u003eSection 80C\u003c/a\u003e of the Income Tax Act).","items":[]},{"content":"The amount that you accumulate and the interest will be exempt from tax when you withdraw the money.","items":[]},{"content":"You should note that you cannot close a Public Provident Fund account before maturity.","items":[]},{"content":"You cannot close a Public Provident Fund account prematurely.","items":[]}]}},{"type":"paragraph","data":{"text":"Investments that are made under a PPF account come under the Exempt-Exempt-Exempt (EEE) category. Therefore, under Section 80C of the \u003ca href=\"/tax/income-tax-act.html\" target=\"_blank\"\u003eIncome Tax Act\u003c/a\u003e, all deposits made towards a PPF account are \u003ca href=\"/tax/tax-exemption.html\" target=\"_blank\"\u003etax exempt\u003c/a\u003e. The amount that has been saved as well as the interest that has been generated are also exempt from tax when the individual withdraws the amount from the PPF account."}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"Eligibility to Open a PPF account","level":2}},{"type":"paragraph","data":{"text":"You can invest in the PPF if you meet the criteria mentioned below:\u0026nbsp;\u003cbr\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"You must be a citizen of India.\u0026nbsp;","items":[]},{"content":"You can open only one PPF account unless your second PPF account is in the name of a minor.\u0026nbsp;","items":[]},{"content":"It is not possible for HUFs or NRIs to open a PPF account. If they already have a PPF account in their name, it will continue to be active until its conclusion. However, these accounts are not eligible for a five-year extension as they are for Indian citizens.\u0026nbsp;\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"The Importance of PPF","level":2}},{"type":"paragraph","data":{"text":"The following are the significances of PPF:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"PPF is considered to be one of the best investment tools and is suitable for those with low-risk appetite.","items":[]},{"content":"The returns are low since this investment tool is market linked.","items":[]},{"content":"The returns are fixed and can be used as a diversification tool and also offers tax-saving benefits.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"PPF Account Nomination Guidelines\u0026nbsp;","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"Nomination can be assigned to one or more individuals. If multiple nominees are chosen, the account holder should specify the percentage share for each nominee.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Nomination is not permitted for a minor's PPF account.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The account holder may nominate family members, including parents, spouses, children, relatives, or friends.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"To add a nominee, the account holder needs to submit Form E.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Nomination can be made at any point during the account's tenure. Modifications, cancellations, or changes to the nomination can be made via the 'Application for Change of Nomination'.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"The nomination form must be signed by the account holder and two witnesses; nominee signatures are not required.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Once completed, the form should be submitted to the relevant bank or post office branch.\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"PPF Account Extension Options\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"A PPF account matures 15 years from the end of the financial year in which it was opened. Upon maturity, the account holder may extend the account in 5-year blocks with two options:\u0026nbsp;"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eExtension with Contribution\u003c/strong\u003e\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"The account can be extended indefinitely in five-year blocks by submitting Form H.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"This choice must be made within one year from the maturity date; otherwise, the account defaults to extension without contributions.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"With this option, up to 60% of the balance at the time of extension can be withdrawn, either as a lump sum or spread across multiple years, with a maximum of one withdrawal annually.\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eExtension without Further Contribution\u003c/strong\u003e\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"If no choice is made, the account automatically extends without additional contributions.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"No form is required for this option.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"One withdrawal is permitted per year up to the total balance.\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Once an account is extended with or without contributions, the choice is fixed and cannot be changed.\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"Note: If contributions are made without selecting the appropriate option, no interest will be paid on those contributions, and no tax deduction will apply to them.\u0026nbsp;"}},{"type":"header","data":{"text":"Loan against PPF","level":2}},{"type":"list","data":{"style":"unordered","items":[{"content":"You can avail yourself of the option of availing \u003ca href=\"https://www.bankbazaar.com/saving-schemes/loan-against-ppf-account.html\" target=\"_blank\"\u003eloan against your PPF\u003c/a\u003e during the third and sixth year of your contribution. The maximum tenure for which you can avail this loan is for three years.","items":[]},{"content":"The loan amount that you can avail should be 25% of the total amount available in your PPF account.","items":[]},{"content":"If you repay your first loan completely, then you can take a second loan before the beginning of the sixth year.","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"embed","data":{"title":"PPF","service":"youtube","embed":"https://www.youtube.com/embed/fXZWJOLmtxw","desktopHeight":405,"desktopWidth":720,"mobileHeight":192,"mobileWidth":340}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"How does your Form C look like?","level":2}},{"type":"paragraph","data":{"text":"Form C has the below-mentioned sections:\u0026nbsp;\u003cbr\u003e"}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eSection 1 \u003c/strong\u003ewill have a declaration section where you will have to mention your PPF account number and the amount you wish to withdraw. You will also have to mention the number of years since you opened the PPF account "}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eSection 2\u003c/strong\u003e will require the mention of several details such as:"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Date on which the PPF account was opened","items":[]},{"content":"Total outstanding balance in the PPF account","items":[]},{"content":"Date on the amount was previously withdrawn","items":[]},{"content":"Total amount withdrawn","items":[]},{"content":"The amount sanctioned for withdrawal","items":[]},{"content":"Date and signature of the service manager.","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eSection 3:\u003c/strong\u003e Bank details will need to be provided in this section. Money will be credited into the bank account that is mentioned. PPF passbook copy must also be submitted along with the form."}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"Premature Closure of a PPF","level":2}},{"type":"paragraph","data":{"text":"After completion of 5 years is it possible for individuals to opt for premature closure.\u0026nbsp;\n\nHowever, premature closure is allowed for treating diseases that can cause harm to the life of the \u003ca href=\"/saving-schemes/how-to-check-ppf-account-balance.html\" target=\"_blank\"\u003ePPF account holder\u003c/a\u003e, parents, children, or spouse.\u0026nbsp; For which, documents from an accomplished medical authority must be submitted."}},{"type":"paragraph","data":{"text":"Premature closure is allowed in case of higher studies of the minor account holder or for the account holder as well. However, documents such as fee bill and the admission confirmation from a recognised university in India or abroad must be submitted."}},{"type":"header","data":{"text":"Attachment of a PPF Account","level":2}},{"type":"paragraph","data":{"text":"Debtors will not be able to access the PPF account of the individual to claim their dues as the PPF account cannot be attached by a court. However, this rule does not apply to \u003ca href=\"/income-tax.html\" target=\"_blank\"\u003eincome tax\u003c/a\u003e authorities. Therefore, if the account holder has any dues pending, the PPF account can be attached for the payment of dues."}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"PPF Withdrawal","level":2}},{"type":"paragraph","data":{"text":"Once your PPF account attains maturity, you can then withdraw the complete maturity amount, here the tenure being 15 years. After 15 years the complete deposit amount along with the interest accrued will be disbursed to your bank account."}},{"type":"paragraph","data":{"text":"However, in case you are in immediate need of funds, you can partially withdraw from the seventh year onwards. You can make a \u003ca href=\"https://www.bankbazaar.com/saving-schemes/public-provident-fund-withdrawal-rules-and-process.html\" target=\"_blank\"\u003epremature withdrawal \u003c/a\u003eof up to 50% of the total amount available in your account at the end of the fourth year. However, this facility can be availed only once."}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"How to link Aadhaar with a Public Provident Fund account online?","level":2}},{"type":"paragraph","data":{"text":"Given below is the procedure to link your Aadhaar number with the PPF account online:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Log into the internet banking account.\u0026nbsp;","items":[]},{"content":"Select '\u003cstrong\u003eRegistration of Aadhaar Number in Internet Banking\u003c/strong\u003e'\u0026nbsp;","items":[]},{"content":"Type in the 12-digit Aadhaar number and click '\u003cstrong\u003eConfirm\u003c/strong\u003e'.\u0026nbsp;","items":[]},{"content":"Choose the Public Provident Fund account you want to link with your Aadhaar card\u0026nbsp;","items":[]},{"content":"Click on '\u003cstrong\u003eInquiry\u003c/strong\u003e' to check if the Aadhaar linking is done.","items":[]}]}},{"type":"header","data":{"text":"Banks that Offer PPF account ","level":2}},{"type":"paragraph","data":{"text":"Here is the list of all the\u0026nbsp;participating banks\u0026nbsp;that are offering PPF account:\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Axis Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Bank of Baroda\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Bank of India\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Bank of Maharashtra\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Central Bank of India\u0026nbsp;\u0026nbsp;","items":[]},{"content":"HDFC Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"ICICI Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"IDBI Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Kotak Mahindra Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Punjab National Bank\u0026nbsp;\u0026nbsp;","items":[]},{"content":"State Bank of India\u0026nbsp;\u0026nbsp;","items":[]},{"content":"Union Bank of India\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"linkText":"Check Your Credit Score for FREE","link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SS_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SS_BUTTON_17735"}},{"type":"header","data":{"text":"How to Activate an Inactive PPF Account?\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"The following is the procedure to reactivate the PPF account:\u0026nbsp;\u0026nbsp;\u003cbr\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Submit a letter to the bank or post office branch where PPF account was opened\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"Request them for reactivating the PPF account\u0026nbsp;","items":[]},{"content":"Make a payment of Rs.500 for each year the contribution is pending\u0026nbsp;","items":[]},{"content":"Pay a penalty of amount Rs.50 for each inactive year\u0026nbsp;","items":[]},{"content":"After making the payment, the bank or post office will process the application and reactive the PPF account\u0026nbsp;","items":[]}]}},{"type":"header","data":{"text":"Limitation of PPF\u0026nbsp;","level":2}},{"type":"paragraph","data":{"text":"The following are some of the limitations of Public Provident Fund (PPF):\u0026nbsp;"}},{"type":"list","data":{"style":"unordered","items":[{"content":"PPF account does not offer a high interest rate compared to other \u003ca href=\"/saving-schemes.html\" target=\"_blank\"\u003esaving schemes\u003c/a\u003e, such as ELSS, that can provide returns in double digits to investors.\u0026nbsp;","items":[]},{"content":"PPF does not provide the facility of opening joint account with your spouse or other family members\u0026nbsp;","items":[]},{"content":"Investment is restricted to Rs.1.5 lakh per year in PPF unlike other saving schemes, such as \u003ca href=\"/saving-schemes/nps.html\" target=\"_blank\"\u003eNPS\u003c/a\u003e (National Pension Scheme), FDs (\u003ca href=\"/fixed-deposit-rate.html\" target=\"_blank\"\u003eFixed Deposits\u003c/a\u003e),\u0026nbsp; \u003ca href=\"/mutual-fund/equity-linked-savings-scheme.html\" target=\"_blank\"\u003eELSS\u003c/a\u003e (Equity Linked Savings Scheme Fund), etc.\u0026nbsp;","items":[]},{"content":"Lock-in period is 15 years unlike other \u003ca href=\"/saving-schemes.html\" target=\"_blank\"\u003esavings schemes\u003c/a\u003e where lock-in period is three years\u0026nbsp;","items":[]}]}},{"type":"list","data":{"style":"unordered","items":[{"content":"PPF account cannot be opened by an NRI applicant\u0026nbsp;","items":[]}]}},{"type":"paragraph","data":{"text":"\u003cstrong\u003eNote:\u0026nbsp;\u003c/strong\u003e"}},{"type":"list","data":{"style":"unordered","items":[{"content":"Tax benefits offered by PPF are the same as the other schemes, which is Rs.1.5 lakh as per section 80C.\u0026nbsp;","items":[]},{"content":"Resident Indian whose status has changed to NRI can continue to invest in the existing PPF account but cannot open a new PPF account.\u0026nbsp;","items":[]}]}},{"type":"cta","data":{"link":"https://www.bankbazaar.com/credit-score.html?variant=slide\u0026WT.mc_id=CROSS_SELL_IL_SSFAQ_BUTTON_17735\u0026utm_source=bb\u0026utm_medium=seo\u0026utm_campaign=CROSS_SELL_IL_SSFAQ_BUTTON_17735","linkText":"Check FREE Credit Score"}}],"breadCrumb":{"currentPageText":"PPF","otherLinks":[{"link":"/saving-schemes.html","text":"Saving Schemes"}]},"hideUserReviews":true,"hideEligForm":true,"metaDescription":"PPF - Public Provident Fund is a Saving Scheme run by the Govt of India. Check Eligibility, How to Open an Account, Interest Rates \u0026 Withdrawal Procedure.","h1Title":"PPF - Public Provident Fund 2024","metaTitle":"Public Provident Fund (PPF) Know the Features \u0026 Tax Benefits ","metaKeyword":"PPF, public provident fund","topContent":[{"type":"header","data":{"text":"What is Public Provident Fund (PPF)?","level":2}},{"type":"paragraph","data":{"text":"\u003cstrong\u003ePublic Provident Fund\u003c/strong\u003e (PPF) is a long-term savings scheme in India, offering tax benefits and a fixed interest rate. It is designed to help individuals save for retirement with guaranteed returns and government-backed security."}}],"author":{"name":"Tanveer Masood","socialLink":"https://www.linkedin.com/in/12195249/","description":[{"type":"table","data":{"rows":[{"cols":[{"content":[{"type":"paragraph","data":{"text":"Tanveer Masood is an experienced content writer with passion for simplifying personal finance topics for the readers. In a career spanning 12 years, he has written content for a wide range of websites, blogs, magazines, news papers and for a variety of topics. Tanveer has been a part of the content team at BankBazaar since 2015, and has through his writing, tried to educate people about different aspects of personal finance such as credit cards, loans, managing taxes, investments and so on.\u0026nbsp;\u0026nbsp;"}}],"colspan":1,"rowspan":1,"highlight":false}]}]}}],"image":{"src":"https://static.bankbazaar.com/images/common/author_tanveer_male.webp","alt":"Tanveer Masood","title":"Tanveer Masood","lazy":true}},"showDateOn":{"hungryForMore":true},"interLinks":{"asLeftNav":true,"items":[{"title":"Important pages from Saving Schemes","items":[{"title":"Employee Provident Fund","link":"/saving-schemes/epf.html","text":"EPF"},{"title":"Employee Provident Fund Balance","link":"/saving-schemes/how-to-check-your-epf-balance-online.html","text":"EPF Balance"},{"title":"Provident Fund Withdrawal Rules","link":"/saving-schemes/pf-withdrawal-rules.html","text":"PF Withdrawal Rules"},{"title":"Employee Provident Fund Passbook","link":"/saving-schemes/epf-e-passbook.html","text":"EPF Passbook"},{"title":"Provident Fund Status","link":"/saving-schemes/how-to-check-pf-status-online.html","text":"PF Status"},{"title":"PF Claim Status","link":"/saving-schemes/all-about-epf-claim-status.html","text":"EPF Claim Status"},{"title":"Universal Account Number","link":"/saving-schemes/uan.html","text":"UAN"},{"title":"Universal Account Number Registration","link":"/saving-schemes/know-about-epfo-universal-account-number.html","text":"UAN Registration"},{"title":"Universal Account Number Login","link":"/saving-schemes/how-to-access-uan-account-after-changing-mobile-number.html","text":"UAN Login"},{"title":"Employee Provident Fund Organization Login","link":"/saving-schemes/how-to-login-to-epfo-member-portal.html","text":"EPFO Login"},{"title":"PF Balance Number","link":"/saving-schemes/how-to-check-epf-balance-sms.html","text":"PF Balance Number"},{"title":"Public Provident Fund","link":"/saving-schemes/ppf.html","text":"PPF"},{"title":"National Pension Scheme","link":"/saving-schemes/nps.html","text":"NPS"},{"title":"National Pension Scheme Calculator","link":"/saving-schemes/nps-calculator.html","text":"NPS Calculator"},{"title":"Sukanya Samriddhi Yojana Account","link":"/saving-schemes/sukanya-samriddhi-yojana-account.html","text":"Sukanya Samriddhi Yojana Account"},{"title":"Sukanya Samriddhi Calculator","link":"/saving-schemes/sukanya-samriddhi-account-calculator.html","text":"Sukanya Samriddhi Calculator"},{"title":"Atal Pension Yojana","link":"/saving-schemes/atal-pension-yojana.html","text":"Atal Pension Yojana"},{"title":"Pradhan Mantri Jan Dhan Yojana","link":"/saving-schemes/pradhan-mantri-jan-dhan-yojana.html","text":"PMJDY"},{"title":"Zero Balance Account through PM Jan Dhan Yojana","link":"/saving-schemes/zero-balance-account-through-pm-jan-dhan-yojana.html","text":"Zero Balance Account through PMJDY"},{"title":"Pradhan Mantri Vaya Vandana Yojana","link":"/saving-schemes/pradhan-mantri-vaya-vandana-yojana.html","text":"PMVVY"},{"title":"Voluntary Provident Fund","link":"/saving-schemes/vpf.html","text":"VPF"},{"title":"Kisan Vikas Patra","link":"/saving-schemes/kisan-vikas-patra.html","text":"Kisan Vikas Patra"},{"title":"Senior Citizen Savings Scheme","link":"/saving-schemes/senior-citizen-saving-scheme.html","text":"SCSS"},{"title":"National Savings Certificate","link":"/saving-schemes/nsc.html","text":"NSC"}]}]},"updatedOn":"04 Dec 2024","ogImage":{"src":"https://static.bankbazaar.com/images/social-share/bb-social-share-v1.jpg"}},"contextData":{"namespace":"saving-schemes/ppf","productType":"ALL","categoryType":"SAVING_SCHEME","deviceType":"DESKTOP"}}},"actionData":null,"errors":null}};</script><script type="module" async="">import "/lp-assets/manifest-7fb25f5b.js"; import * as route0 from "/lp-assets/root-DQCPFDXh.js"; import * as route1 from "/lp-assets/route-faYSul94.js"; window.__remixRouteModules = {"root":route0,"routes/default/route":route1}; import("/lp-assets/entry.client-BgNBjbT3.js");</script><script id="_webengage_script_tag" type="text/javascript"> function initializeWebEngage() { ! 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