Public Provident Fund (PPF) Overview

The Public Provident Fund (PPF) is a government-backed, long-term savings scheme offering a secure investment with 7.1% p.a. interest (as of July 2025) and tax benefits under Section 80C. LoanPao helps you open and manage a PPF account with contributions ranging from ₹500 to ₹1.5 lakh annually for a 15-year tenure, extendable in 5-year blocks. Ideal for risk-averse investors, PPF ensures capital safety and tax-free maturity. Contact us at +91-971-769-5334 or explore related options like Fixed Deposit or SIP Plans.

Key Benefits of PPF Investment

Capital Safety

Government-backed scheme ensures 100% safety of your investment.

7.1% Interest

Earn 7.1% p.a. interest, compounded annually, as of July 2025.

Tax Benefits

Contributions up to ₹1.5 lakh qualify for tax deductions under Section 80C.

Tax-Free Maturity

Maturity amount and interest are fully exempt from tax.

Long-Term Savings

15-year tenure, extendable in 5-year blocks, for disciplined savings.

Loan Facility

Avail loans against PPF balance from the 3rd to 6th year.

Eligibility Criteria for PPF Account

PPF accounts are available to resident Indian individuals. Check your eligibility with our investment eligibility tool.

Eligibility Criteria for PPF Account 2025
Criteria Details
Applicant Type Resident Indian individuals or minors (through guardians)
Non-Eligible NRIs, HUFs, trusts, or corporate entities
Account Limit One PPF account per individual (except for minors)
Minimum Age No age limit; minors can open accounts via guardians

Contact info@loanpao.in for assistance with PPF eligibility.

Documents Required for PPF Account

Ensure the following documents are ready to open a PPF account:

  • KYC Documents: Aadhaar, PAN, Voter ID, or Passport
  • Photograph: Recent passport-size photograph
  • Address Proof: Utility bill, Aadhaar, or rental agreement
  • Nomination Form: Details of nominee (optional)
  • Initial Deposit: Minimum ₹500 via cash, cheque, or online transfer

Visit a bank or post office with these documents or contact LoanPao for assistance.

PPF Contribution and Interest Rates

PPF offers flexible contributions with attractive returns.

PPF Contribution and Interest Rate Details 2025
Parameter Details
Minimum Contribution ₹500 per financial year
Maximum Contribution ₹1.5 lakh per financial year
Interest Rate 7.1% p.a., compounded annually (July 2025)
Tenure 15 years, extendable in 5-year blocks
Deposit Frequency Up to 12 deposits per year, in multiples of ₹50

Note: Interest rates are reviewed quarterly by the Government of India and may change.

PPF Withdrawal and Loan Rules

PPF accounts offer flexibility for withdrawals and loans:

  • Partial Withdrawal: Allowed from the 7th year, up to 50% of the balance at the end of the 4th preceding year.
  • Loan Facility: Available from the 3rd to 6th year, up to 25% of the balance at the end of the 2nd preceding year.
  • Premature Closure: Permitted after 5 years for specific reasons (e.g., medical emergencies, education), with a 1% interest rate reduction.
  • Maturity: Full withdrawal after 15 years; option to extend in 5-year blocks.

Contact +91-971-769-5334 for guidance on withdrawals or loans.

How to Open a PPF Account

Opening a PPF account with LoanPao’s assistance is simple:

  1. Fill out the inquiry form below with personal details.
  2. Submit KYC documents (Aadhaar, PAN, photo) via e-KYC or at a bank/post office.
  3. Complete account opening with a minimum deposit of ₹500 and start investing.

Contact our team at +91-971-769-5334 for expert guidance.

Why Choose LoanPao for PPF Investment?

LoanPao is your trusted partner for PPF and other investment options:

Trusted Partners

Connect with top banks and post offices for PPF account opening.

24/7 Support

Contact us anytime at +91-971-769-5334.

Tips for Maximizing PPF Benefits

Optimize your PPF investment with these expert tips:

  • Deposit ₹1.5 lakh annually before April 5 to maximize interest for the year.
  • Extend the account beyond 15 years for continued tax-free returns.
  • Use the loan facility for short-term needs instead of premature withdrawal.
  • Nominate a beneficiary to ensure smooth transfer of funds.
  • Combine PPF with other tax-saving investments like for diversified savings.

Explore More

Frequently Asked Questions About PPF

PPF is a government-backed savings scheme offering 7.1% p.a. interest and tax benefits under Section 80C, ideal for long-term secure investments.

Resident Indian individuals, including minors (through guardians), can open a PPF account. NRIs and HUFs are not eligible.

The PPF interest rate is 7.1% p.a. as of July 2025, compounded annually.

Minimum contribution is ₹500 annually, and the maximum is ₹1.5 lakh per financial year.

Partial withdrawals are allowed from the 7th year, up to 50% of the balance at the end of the 4th preceding year.

Contact LoanPao to connect with banks offering PPF accounts or visit a bank/post office directly to open an account.