The Public Provident Fund (PPF) is a government-backed savings scheme introduced in India to encourage long-term savings and retirement planning. It offers attractive interest rates and tax benefits, making it a preferred choice for risk-averse investors. The PPF is available to both salaried and self-employed individuals, making it accessible to a wide range of people.

1. PPF
Building Wealth with PPF
Understanding the Power of Public
Provident Fund

2. Building Wealth with PPF
Understanding the Power of
Public Provident Fund
What is PPF
Building wealth is a financial goal for many individuals,
and one effective way to achieve it is through investing
in the Public Provident Fund (PPF). The PPF is a
popular long-term savings scheme backed by the Indian
government, offering numerous benefits to investors. In
this article, we will delve into the power of the Public
Provident Fund and how it can help individuals create a
secure financial future

3. What is a Public Provident Fund (PPF)?
The Public Provident Fund (PPF) is a
government-backed savings scheme
introduced in India to encourage long-term
savings and retirement planning. It offers
attractive interest rates and tax benefits, making
it a preferred choice for risk-averse investors.
The PPF is available to both salaried and
self-employed individuals, making it
accessible to a wide range of people.

4. Benefits of Investing in PPF
Benefits of Investing in PPF
• Tax Benefits of PPF
• Long-Term Wealth Accumulation
• Flexibility in Investment

5. Understanding the functioning of the PPF
account is essential for investors to make
the most of their investment.
How PPF Works
To open a PPF account, individuals need to visit
a designated bank or post office with the
necessary documents, including identification
proof, address proof, and a passport-sized
photograph. Both Indian residents and Hindu
Undivided Families (HUFs) are eligible to open
a PPF account.
• Account Opening and Eligibility

6. Understanding the functioning of the PPF
account is essential for investors to make
the most of their investment.
How PPF Works
The minimum annual contribution to a PPF
account is ₹500, while the maximum limit is
₹1.5 lakh per financial year. Investors have the
flexibility to deposit their contributions as a
lump sum or in installments, with a maximum
of 12 contributions per year.
• Contribution Limits and Periodicity

7. Understanding the functioning of the PPF
account is essential for investors to make
the most of their investment.
How PPF Works
The interest rates on PPF are revised quarterly
by the government. The interest is compounded
annually and credited to the account at the end
of each financial year. The interest calculation
follows the "lowest balance between the fifth
and the last day of the month" method.
• PPF Interest Rates and Calculations