PPF Features
| Feature | Details |
|---|---|
| Interest Rate | 7.1% p.a. (Q1 FY 2024-25) |
| Minimum Investment | ₹500/year |
| Maximum Investment | ₹1.5 lakh/year |
| Lock-in Period | 15 years |
| Extension | 5-year blocks |
| Tax Status | EEE (Fully tax-free) |
Loan & Withdrawal Rules
- Loan: Available from 3rd to 6th year, max 25% of balance at year-end of 2nd preceding year
- Partial Withdrawal: From 7th year, max 50% of balance
- Premature Closure: After 5 years for specific reasons (illness, higher education)
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Maximize Interest
Deposit before 5th of each month. Interest is calculated on minimum balance between 5th and end of month.