📅 Year-by-Year PPF Growth
| Year | Invested | Interest | Balance |
|---|
✅ Section 80C deduction up to ₹1.5L/year
✅ Interest is tax-free
✅ Maturity amount is tax-free
✅ Backed by Government of India
✅ Can be extended after 15 years
PPF — Everything You Need to Know
What is PPF? Public Provident Fund is a long-term government-backed savings scheme with a 15-year lock-in. It offers one of the best risk-free returns in India with complete tax exemption at all stages.
Investment limit: Minimum ₹500 per year, maximum ₹1.5 lakh per year. Invest in lump sum or up to 12 instalments per year.
Tax benefits (EEE status): Exempt at all three stages — contributions (80C deduction), interest earned (tax-free), and maturity amount (tax-free). This is the best tax treatment available for any investment in India.
Loan facility: You can take a loan against PPF from the 3rd to 6th financial year. The loan amount can be up to 25% of the balance at the end of the 2nd year preceding the loan year.
Partial withdrawal: Allowed from the 7th financial year onwards, once per year. Up to 50% of the balance at the end of the 4th year.
Extension: After 15 years, PPF can be extended indefinitely in 5-year blocks — with or without further contributions.