A PPF account has a lock-in period of 15 years. We cannot withdraw funds before the completion of the maturity period.

We can invest a minimum of Rs. 500 and maximum of Rs. 150000 annually in our PPF accounts.

PPF comes under the EEE (exempt-exempt-exempt) investment regime of taxation. The principal amount invested each year is exempt up to an amount of Rs.150000.

The PPF becomes fully available for withdrawal after 15 years. While partial withdrawals are allowed after 5 years, one must note that only one partial withdrawal is allowed per financial year.

(Figures, rates and limits as of July 2021)