PPF kya hai aur kyun invest karein?
PPF (Public Provident Fund) Government of India ka ek savings scheme hai. Current interest rate 7.1% per annum (quarterly review hoti hai). Yeh completely tax-free hai — invest karna, returns, maturity — teeno par koi tax nahi (EEE category).
PPF ke main features
| Feature | Detail |
|---|---|
| Minimum investment | ₹500/year |
| Maximum investment | ₹1.5 lakh/year (Section 80C) |
| Tenure | 15 years (5 saal ke blocks mein extend ho sakta hai) |
| Current rate | 7.1% p.a. (compounded annually) |
| Tax benefit | EEE — invest, interest, maturity teeno tax free |
| Loan facility | 3rd-6th year ke beech — partial loan possible |
Best strategy
PPF mein 5 ya 1 tarikh ko invest karein — mahine ke shuru mein — taaki us mahine ka full interest mile. Mahine ke beech invest karne par us mahine ka interest nahi milta.
PPF vs SIP — kab kaunsa?
- PPF: Guaranteed returns, zero risk, tax free — conservative investors ke liye
- SIP (equity): Higher potential returns, market risk — long term wealth ke liye
- Ideal: Dono — PPF debt portion ke liye, SIP equity ke liye
PPF account kahan khulta hai?
Any nationalized bank (SBI, PNB, Bank of Baroda) ya post office mein. Online bhi kuch banks mein available hai. Aadhaar + PAN required.
15 saal se pehle nikaal sakte hain?
Partial withdrawal 7th year ke baad allowed hai. Premature closure sirf specific medical/education emergencies mein — penalty ke saath.