Public Provident Fund
Loan against PPF: What is it? Who can avail loan against Public Provident Fund? Interest rates and how to repay
A loan against PPF is a facility available to all account holders who are not yet eligible for premature withdrawals. It allows you to borrow money against your PPF balance at a nominal interest rate
2 min read5 Apr 2026Want to maximise your PPF returns? Here's a simple tip to gain full benefits
The financial year 2026-27 begins today, and the Public Provident Fund (PPF) offers tax benefits and a 7.1% interest rate, making it a safe long-term investment. Here's how you can maximise returns…
3 min read1 Apr 2026Small savings offer interest rates up to 8.2% in Q1FY27, but don’t lock your money without these 5 key checks
Small savings rates for the first quarter of FY27 remain stable at up to 8.2%, offering secure returns. Investors should assess goals, tenure, tax benefits, liquidity and interest trends before choosing suitable schemes.
2 min read1 Apr 2026PPF withdrawal: Here's how you can access your public provident fund balance before the lock-in period ends
The Public Provident Fund is a low-risk savings scheme with a fixed interest rate of 7.1%, suitable for retirement planning and tax benefits. Here's how you can withdraw your funds before the lock-in period ends…
2 min read14 Mar 2026PPF vs EPF vs VPF: Which should you choose? Here's a comparison of interest rates, tax benefits, tenure & more
Retirement planning can benefit from PPF, EPF, and VPF, which offer high interest rates and tax exemptions. PPF provides guaranteed returns at 7.1%, while EPF and VPF have 8.25%. Contributions to these schemes are eligible for tax benefits under Section 80C.
3 min read13 Mar 2026PPF, SSY, other small savings schemes are not only about tax saving - Here's what you are missing
Small savings schemes like PPF, SSY, and NSC are relevant even for the taxpayers who have opted for the new tax regime. These schemes are being changed and recast as tools for long-term, tax-resistant, purposeful saving. They are not out of date; their role in Indian household finance is changing.
6 min read20 Feb 2026Explained: Can you open more than one PPF account? Here's what government rules say
Individuals can invest a minimum of ₹500 and a maximum of ₹1.5 lakh per year for 15 years in their PPF accounts. This amount is locked in for 15 years, after which you can get your investment back with interests without having to pay any tax.
3 min read14 Feb 2026Budget 2026 makes SGBs taxable: Here are 3 investment schemes that attract zero taxes
Budget 2026: FM Nirmala Sitharaman said that only those SGBs that have been subscribed by an individual at the time of the original issue and are held continuously until redemption on maturity after eight years will be exempt from capital gains tax.
2 min read29 Mar 2026From SIPs to safety nets: How parents should plan for soaring education costs
Education costs in India are rising faster than inflation. Here's how parents can blend equity, debt and protection to build a resilient, goal-focused education plan for their children.
5 min read22 Jan 2026Why India's savings culture serves everyone except the saver
India’s love for fixed income isn’t just cultural—it’s structural. Banks and governments benefit, while savers quietly lose wealth to inflation, taxes, and time.
3 min read11 Jan 2026