Published on July 05, 2026 • Last updated July 05, 2026
Public Provident Fund (PPF) is a popular long-term savings-cum-tax-saving instrument in India, backed by the central government.
PPF offers guaranteed interest, complete capital safety, and tax-free returns. It comes with a 15-year maturity lock-in, which can be extended in blocks of 5 years. The interest rate is reviewed quarterly by the government, and contributions qualify for tax deductions under Section 80C.
The minimum investment is ₹500 per financial year, and the maximum limit is ₹1.5 Lakhs per financial year.
Partial withdrawals are allowed from the 7th financial year onwards, subject to specific limits. Loans can also be taken against the PPF balance from the 3rd to the 6th financial year.
EEE stands for Exempt-Exempt-Exempt. In PPF, contributions are exempt under Sec 80C, interest earned is exempt from tax, and the final maturity amount is completely tax-free.
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