Complete Public Provident Fund guide — rates, rules, and strategy.
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Government-backed, 15-year scheme. Guaranteed returns + EEE tax status (investment, interest, and maturity all tax-free).
Invest before 5th of each month — PPF interest calculated on minimum balance between 5th and month-end. Max: ₹1.5L/year.
Verify current rates from your bank.
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All calculations use standard financial formulas. SIP returns use compound interest formula: FV = PMT × [((1+r)^n - 1) / r]. EMI uses: EMI = P × r × (1+r)^n / [(1+r)^n - 1]. Tax calculations follow Income Tax Act provisions for the current assessment year. Insurance premiums are indicative market averages.
Sources: RBI, SEBI, Income Tax Department of India, CIBIL, IRDA, LIC of India. Data verified as of Aug 2026.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.