In today’s time, every person wants his small savings to become a huge amount in the future, but due to the fluctuations and risks of the stock market, many people are afraid to invest. For such people, Public Provident Fund (PPF) is a government option, which is completely safe and helps in creating a good fund in the long run. The special thing is that you do not need to invest a lot of money every month. If you deposit just Rs 4,000 per month regularly, this amount can turn into lakhs of rupees in a few years.

What is PPF and why is it special?

PPF i.e. Public Provident Fund is a savings scheme supported by the Government of India. The money invested in it is considered completely safe, because it is guaranteed by the government. This scheme has been specially designed for those who want to save with discipline for a long time. The biggest feature of PPF is that the interest received in it is tax-free and there is tax exemption on investment also i.e. savings as well as tax relief.

How does the PPF scheme work?

The tenure of PPF account is 15 years. In this you can invest minimum Rs 500 and maximum Rs 1.5 lakh in a year. You can invest all at once or in installments. At present, approximately 7.1 percent compound interest is available annually on PPF. Interest is compounded every year, making the money grow gradually as it is a government scheme, so there is no market risk.

Even when your PPF account completes 15 years, you are not forced to withdraw money. If you wish, you can extend the account for 5-5 years. Overall it can be operated for 25 years. If you do not withdraw money, interest continues to be earned on the deposited amount. This increases your savings without any extra effort.

How to earn Rs 13 lakh by depositing just Rs 4,000 a month?

If you deposit Rs 4,000 every month i.e. Rs 48,000 in a year in PPF account and continue this investment for 15 years, then the total investment will be Rs 7.20 lakh and the amount received after 15 years will be around Rs 13.01 lakh. The total benefit (interest) from this will be around Rs 5.81 lakh, that is, your small monthly savings creates a good fund for you.

What if investment continues for 25 years?

If you continue the investment even after 15 years and keep the money in PPF for a total of 25 years, then the magic of compound interest becomes more clearly visible. The estimated amount after 25 years will be around Rs 32.98 lakh. Out of this, about Rs 20.98 lakh is made only from interest. This is a great option for those who want to create a secure fund for retirement or children’s future.

Why is PPF a great option even today?

PPF is completely safe and government guaranteed, tax-free returns, facility to start with a small amount, ability to build a large corpus over a long period of time, and stable returns without any risk. If you want your small savings to gradually turn into a big sum, then PPF is one of the most reliable schemes even today.

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Is your PPF account discontinued because you forgot to make the minimum deposit of Rs 500? Don’t worry! In this video, we will explain to you in simple language how a closed PPF account can be reactivated in just a few steps. When PPF is closed, you suffer many big losses – Loan and Partial Withdrawal stops, only basic interest is given on maturity, entire tax benefit of Section 80C ends but the good thing is that reviving PPF is very easy and cheap. All you have to do is follow these steps: 1 Go to the bank or post office where the account was opened 2 Fill the Revival Form 3 Deposit Rs 500 for every year the account remained closed 4 Add only ₹ 50 penalty every year 5 Submit Form + Payment Slip + Passbook 6 Get the Passbook updated—and PPF is back on! There is no time limit to revive PPF, just do it before maturity. After becoming active, you will again start getting tax benefits, high returns and all PPF facilities.

Public Provident Fund: PPF i.e. Post Office Public Provident Fund is a long term savings scheme given by the government. Along with guaranteed returns, it also offers tax benefits under Section 80C of the Income Tax Act, 1961. Besides, the entire amount received on maturity is also tax free. This is a government scheme which gives guaranteed returns in the long term. Let us know how much you can earn in 18 years by investing Rs 5,000-10,000 every month so that you can make financial planning from now to secure your future.

Who can invest in PPF?

Anyone can invest in PPF – salaried class, businessmen or pensioners can open a PPF account. If someone is a minor, then in this situation his parents or legal guardian can open his PPF account. In the absence of parents, grandparents can start investing in PPF in the name of their grandchildren as legal guardians. Overall, any resident of India can invest in PPF. NRIs (Non-Resident Indians) cannot open PPF account.

How much amount should I start investing with?

The minimum amount of investment in PPF is Rs 500, that is, you can open your PPF account by depositing Rs 500. Whereas a maximum investment of Rs 1.5 lakh can be made. Its lock-in period is 15 years, after which if you want, you can extend it with an unlimited block of 5 years each.

On maturity, fill the account closing form and submit it along with your passbook and withdraw your share of the money. If you want, you can leave the maturity amount in your account and earn interest on it. You will be allowed to withdraw from your PF account once a year. In case of emergency, if you need money, you can withdraw up to 50 percent of the balance at the end of every fourth year.

Now let us know that if you deposit Rs 5000, Rs 7000 or Rs 10000 every month in your PF account for a period of 18 years, then how much will be deposited with you. Here we are calculating according to 7.1 percent interest rate.

How much will you get on an investment of Rs 5000?

An investment of Rs 5000 for 12 months means Rs 60000 are being deposited in the PF account annually. The investment amount in 18 years will be Rs 10,80,000, while the interest earned on it will be Rs 11,25,878. That means your maturity amount will be Rs 22,05,878.

How much will you deposit on an investment of Rs 7000?

By investing Rs 7000 every month in PF account, the annual investment (7000×12) will become Rs 84000. That means, in 18 years, the amount of your investment in PF account will be Rs 15,12,000, while the interest received on it will be Rs 15,76,230. According to this, the estimated maturity amount will be Rs 30,88,230.

How much money will you get on an investment of Rs 10000?

If you keep depositing Rs 10,000 in your PF account every month, your annual investment will be Rs 1,20,000 (10,000×12). In this way, in 18 years your deposit amount will increase to Rs 21,60,000 and you will get Rs 22,51,757 as interest on it. That is, on maturity you will get Rs 44,11,757.

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If you want an investment option that is tax-free, protected by the government and beneficial in the long term, Public Provident Fund (PPF) is a popular and trusted option. But the question is whether in today’s era, when both inflation and stock market (Sensex) are changing rapidly, is PPF still equally beneficial? In the 1990s, interest on PPF was up to 12%, but with time these rates fell and since 2020 till now it is stable at 7.1%. On the other hand, Sensex has given an average CAGR return of 12.2% in the last 10 years, while the average inflation rate has been 4.79%. However, capital gains tax has to be paid on stock market earnings, whereas PPF is completely tax-free and tax exemption under 80C is also available on investments up to ₹ 1.5 lakh annually. In this video/post we will understand how PPF has performed against inflation and the stock market, and whether it can still be considered a smart investment option.

Necessary news for those saving in post office! The Department of Posts (DOP) has implemented a new rule, under which accounts like TD, MIS, NSC, SCSS, KVP, RD, and PPF will be freezed if they were not closed or extended for 3 years after much. Now this freezing process will be done 2 times every year – 1 July and 1 January. The purpose of this step is to protect the hard earned money of the account holders. If your account is freezed, then go to the post office to restart it: Passbook or Certificate PAN, Aadhaar and address proofs such as KYC documents bank account details or canceled check SB-7A form will have to be submitted. After verifying your identity and documents, the post office will transfer your maturity directly to the bank through ECS. Note: No transaction, deposit, withdrawal or online service will be possible in freeze accounts. In such a situation, if you have not activated your mature account for 3 years, then take action now! Watch this video and share it to others.

Small Savings Schemes: The government is going to review the interest rates of small savings schemes like Public Provident Fund (PPF), National Saving Certificate (NSC), Senior Citizen Savings Scheme (SCSS) on 30 June 2025. This review occurs every quarter and remains applicable for the next three months. In the review going to be held this time, new interest rates will be set for July to September 2025.

RBI cut repo rate several times

So far, the interest rates on the post office saving scheme are the same from the beginning of the year, but now it is likely to change. This is because the Reserve Bank of India (RBI) has cut the repo rate by 100 basis points this year. The first has cut 25 basis points in February, 25 basis points in April and 50 basis points in June. Repo rate cuts have also affected the bond yield and banks have reduced interest rates on FDED Deposit.

The bank is currently giving an interest of 7.1 percent on the Public Provident Fund (PPF), which is very close to the lowest interest rate seen in the last 5 decades. Earlier, before August 1974, the interest rate on PPF was seen less than 7 percent. PPF is one of the most popular small saving schemes for long -term investment, but may be reduced to the interest rate on it in the next review.

On what basis does the government decide the interest rate?

The interest rate on PPF is based on the formula suggested by the Shyamala Gopinath Committee. According to this formula, the interest rates on PPF should be 25 basis points higher than the average yield of 10 -year government bonds. Currently, the Bond Yield is at around 6.325 %. This indicates that investors get low returns.

According to the formula, the interest rate of PPF may fall by 6.575 percent, which is 7.10 % to 52.5 basis points. In such a situation, it is better to invest in these schemes before the advice of experts, possible cuts.

Explain that small savings schemes are special for those investors who want guaranteed returns by staying away from the fluctuations of the stock market. The government reviews the interest rate being received on it every three months so that these schemes remain attracted to the investors.

The government fixes interest rates based on the recommendations of the Shyamala Gopinath Committee, which states that interest rates for small savings schemes should be 1 percent more than 0.25 % in the same period of interest rates for small savings schemes. By the way, the interest rate on PPF remains at an equal 7.10 percent from 1 April 2020. Earlier, the rates were 7.90 percent from 1 July 2019 to 31 March 2020. Similarly, 9.5 percent in 2000 and interest rates on it in 2003 were 8 percent.

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Retirement saveings scheme: If the life after retirement needs comfortable and secure, then financial planning will also have to be done accordingly. There are three extremely popular options of retirement savings scheme in our country- Public Provident Fund (PPF), Employees Provident Fund (EPF), and National Pension System (NPS). The features of each of these schemes are unique. If you too are finding it difficult to choose one of these, then we make your work easier. Let us tell you through this news how these three are different from each other so that you do not have trouble in choosing the right plan according to you.

Public Provident Fund (PPF)

PPF is a government scheme that allows savings in long term. In this, you can invest a minimum of Rs 500 and a maximum of Rs 1.5 lakh every year. It has been designed keeping in mind those who are looking for a risk free investment option with tax benefit.

Its specialty

The maturity period in PPF is 15 years. It can be extended in a 5-5 year block.

The government gives interest at the rate of 7.1 percent annually on the PPF account. The interest rate on PPF is determined by the government every quarter.

This risk is free due to being supported by the Government of India.

There is a tax exemption on investment up to Rs 1.5 lakh annually under Section 80C on PPF.

There is no tax on interest in interest.
Loss

The PPF comes with a lock in period of 15-sight. After the completion of 15-year lock-in period, you can close the account and withdraw all the money from the PPF account.

Return on this does not move much further than inflation.

Employee Provident Fund (EPF)

EPF is a compulsory savings scheme for employees working in a company in number 20 or more. Its purpose is to provide financial security to salaried employees after retirement.

Its specialty

In the EPF, 12 percent contribution of basic salary and dearness allowance is done by both the company and the employee.

The interest rate on the Employees Provident Fund for the current financial year is 8.25 percent.

The risk on this is low and returns are guaranteed.

On investing in EPF, there is a tax exemption of up to Rs 1.5 lakh under Section 80C.

The contribution of Rs 2.5 lakh every year in PF account is free.

The fund after retirement is completely tax free.

The interest rate is higher than PPF.

Savings also increase according to the contribution of the employer.

If needed, you can also do partial withdrawal of deposited amount.

Loss

Contribution of more than Rs 2.5 lakh is taxed.

It is limited to salaried persons only.

National pension system (nPS)

NPS is a retirement savings scheme launched by the Government of India. In this, you can choose the option of investment in equity, corporate date, government bonds according to your choice. Return on this is not fixed because it is connected to the market.

Specialty

There is no upper limit of contribution in it.

It usually gets a return of 8-10 percent.

Due to the market linked scheme, the returns may be found on the basis of the performance of the fund manager, but in this you can choose the investment option according to the ability to take your risk. You can change the investment according to time.

Under section 80C, tax exemption on investment up to Rs 1.5 lakh is available. Under Section 80CCD (1B), subscribers can avail an additional Rs 50,000 deduction.

60 percent tax-free of NPS corpus can be extracted, while the remaining 40 percent is used to buy annuity.

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Supreme Court Judges Property: The judges of the Supreme Court have made public information about their property. This decision was taken in the meeting of all the judges on 1 April. Now information about the property of 33 judges including Chief Justice Sanjeev Khanna, the next Chief Justice BR Gavai has been uploaded on the Supreme Court website. The judges have made public information about all the things like flats/houses, ancestral property, bank accounts, jewelry of themselves and their family.

Talking about Chief Justice Sanjeev Khanna, he has a 3 bedroom flat in South Delhi, Delhi’s Commonwealth Games Village has 4 bedroom flats with 2 parking, 56% in a flat in Gurugram, their part in ancestral property in Dalhousie, Himachal Pradesh. The Chief Justice has also made public information like his bank account, PF account, stock, gold. He has also informed about the property of wife and family.

Gawai’s property is going to be the next Chief Justice

Similarly, Justice Bhushan Ramakrishna Gavai, who is going to become the senior most judge and Chief Justice from May 14, has also told that he has a house and agricultural land in Amravati, Maharashtra, which he inherited from his heavenly father. He has flats in Bandra in Mumbai and Defense Colony in Delhi. Along with this, they also have agricultural land in Nagpur. Apart from his bank account, property like his bank account, gold, he has also informed about his wife’s property.

Property data of all 33 judges available on the website

Information about the property of all 33 judges is available on the Supreme Court website. It is believed that this step has been taken to maintain the trust of the people amid discussions related to corruption in the judiciary. The proposal passed in the full court meeting of the judges regarding the announcement of property will also be applicable for the future.

Ppf account: There has been a lot of relief news for Public Provident Fund (PPF) account holders. The government has made the service free of updating or modifying nominee details to PPF Account. This will make it very easy for those who make small savings. Finance Minister Nirmala Sitharaman announced this on Thursday.

According to the Finance Minister, I have recently received the news of fees from financial institutions to update or modify the nominee details in PPF account. He said that necessary changes have been made in the Government Savings Promotion General Rules 2018 through the Gazette notification of April 2, 2025 to remove any fee related to updating the details of persons enrolled in PPF accounts.

Recently was informed that a fee was being Levied by Financial Institutions for Updating/Modifying Nominee Details in PPF Accounts.

Necessary changes are now made in the government saving promotion general rules 2018 via gazette notification 02/4/25 to remove Any Charges on… pic.twitter.com/hi33sbln4e

– Nirmala Sitharaman (@NSITHARAMAN) April 3, 2025

Now four people will be able to make nominee

In the Gazette notification, a fee of Rs 50 has been abolished for canceling or changing enrollment for small savings schemes run by the government. He said, the recently passed Banking Amendment Bill 2025 is allowed to make maximum four people nominees for payment of money, goods kept in safe custody and safety locker.

Let us know that in the Lok Sabha on Tuesday, the bank account holder has been allowed to make four people in his account in the Banking Law (Amendment), Bill, 2024. Due to this, deposits will have an option to make 4 people a nominee at all times or one after another. Along with this, customers taking lockers in the bank will have only the option of gradual enrollment so that the money deposited in the absence of the nominee can be transferred correctly.

Family interest will be protected

According to the earlier rules, if a person wanted to make his two children and his elderly mother a nominee of her PPF account and safety locker, then she also had to pay fees to update the nominee details and the number of nominees was also limited. With this, along with the long legal dispute, the right beneficiaries also missed many times unknowingly. With the recent changes, now three people will be able to make three people without any charge. This will not only protect the interests of the family, but will also make the process of property planning easier.

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