Published on August 08, 2026 • Last updated August 08, 2026
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Public Provident Fund (PPF) is a popular long-term savings-cum-tax-saving instrument in India, backed by the central government.
The Public Provident Fund (PPF) is a government-backed, long-term savings scheme designed to encourage small savings and build a secure retirement fund. Backed by a sovereign guarantee, PPF offers 100% safety of principal, attractive interest rates set by the government quarterly, and unmatched tax benefits.
PPF comes with a 15-year maturity period, which can be extended indefinitely in 5-year blocks. Investors can contribute anywhere between a minimum threshold and a maximum limit per financial year. Interest is calculated monthly on the minimum balance held between the 5th day and the end of the month, and compounded annually at the end of the financial year.
One of the greatest highlights of PPF is its 'EEE' (Exempt-Exempt-Exempt) tax status. Contributions qualify for tax deduction under Section 80C, annual interest earned is completely exempt from income tax, and the entire maturity proceeds can be withdrawn tax-free.
Learn how PPF is calculated
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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