Wednesday, July 23, 2025
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Even if you don’t put money into a PPF account, you’ll make a lot of money if you follow this superhit strategy.

Interest is currently paid on PPF accounts at a rate of 7.1 percent. Investing in this account will result in a tax refund. In addition, the money paid out at maturity is tax-free. The sum placed in a PPF account is guaranteed by the Indian government.

Investing in a PPF is thought to be a very safe and beneficial option. Because the government guarantees its security, it is seen as a safe investment. You’ll undoubtedly be surprised to learn that you can take advantage of this even if you don’t have a PPF account. You can earn interest on your PPF account even if you do not invest. Let’s have a look at how this works.

Read More: If you have also invested in cryptocurrency, you should begin completing this task right away, if not…

What exactly is a PPF Account, and how does it function?
PPF accounts can be opened in certain branches and at the post office for a term of 15 years. Every year, you can deposit a minimum of 500 rupees and a maximum of 1.5 lakh rupees. On amounts greater than 1.5 lakhs, the account holder does not receive interest.

After 15 years, there are two options.

After 15 years, you can withdraw money from your PPF account. However, you have two choices at this moment. The first is that you can keep investing and prolong the account for another 5–5 years. For this, you must submit a written request.

This manner, you will earn interest without having to invest anything.

You can also operate a PPF account without making any investments after 15 years. In this case, the government will continue to pay a fixed interest rate on the amount that matures in 15 years with your investment. You are not required to put any money into this.

5 Advantages of a PPF Account

In a PPF account, interest is now paid at a rate of 7.1 percent.

The money placed in a PPF account is eligible for an income tax refund.

The money you get from a PPF account when it matures is tax-free.

A lock-in term of 15 years applies to a PPF account.

The amount placed in this account is guaranteed by the Indian government

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