PPF MATURITY
ETMarkets Smart Talk| A ₹25,000 monthly SIP can grow to ₹2.17 crore in 15 years—with a 10% annual step-up: Jeet Marwadi
In an interview with Kshitij Anand of ETMarkets, Jeet Marwadi, Founder and Managing Director of 1 Finance, explains why reviewing loans, insurance, expenses and savings decisions can be just as important as investment selection—and why investors should seek financial advice early in their wealth journey.
Best tax saving mutual funds or ELSS to invest in October 2026
Tax saving mutual funds or ELSSs invest in stocks. Therefore, they have a very high risk. You should be aware of this aspect, especially if you are a first-time investor in equity mutual funds. Compared to your usual investments like Public Provident Fund or National Savings Certificate, etc, ELSSs do not offer guaranteed returns. You may even suffer losses in a bad market.
Can banks raise FD interest rates now as RBI increases repo rate by 25 bps?
RBI MPC October 2026: The Reserve Bank of India has increased the repo rate by 25 bps from 5.25% to 5.50%, signaling a shift. Following this decision, banks are expected to raise fixed deposit interest rates in the near future. Retail inflation has been rising, indicating that further hikes may be necessary to control it. The competition from small savings schemes and government securities contributes to this pressure on banks.
FD interest rate hike coming? With rising inflation, many experts expect RBI to hike interest rate
Many financial analysts expect the Reserve Bank of India to increase the repo rate by 25 basis points. This forecast is driven by persistent inflation, soaring crude oil prices, and a depreciating rupee. Should the RBI implement this hike, it could lead to higher fixed deposit returns for investors. Meanwhile, public sector banks continue to offer lower rates, struggling against fierce competition from government securities and small savings schemes.
Sukanya Samriddhi Account interest rate: Has government changed SSA rate from 8.2% for October-December 2026 quarter?
In a recent announcement, the Ministry of Finance reaffirmed the Sukanya Samriddhi Account interest rate at 8.2%. The next evaluation of small savings scheme rates is set for the December 2026 quarter. To initiate a Sukanya Samriddhi Account for a girl child, a minimum deposit of Rs 250 is required. The account matures after 21 years and permits partial withdrawals for education post age 18.
PPF interest rate October- December 2026: Has Public Provident Fund interest rate hiked for this quarter?
The Ministry of Finance has reviewed interest rates for small savings schemes including the Public Provident. The rates will stay the same as those from the previous quarter. PPF accounts have a maturity period of 15 years and offer tax-free returns after five years.
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Has government increased SSY, PPF, NSC, other small savings schemes' interest rates for October-December 2026 quarter?
The Ministry of Finance has announced that the interest rates for small savings schemes will remain steady for the next quarter. This decision comes after two years of rate stability since December 2024. The review took into account inflation and bond yields, which hinted at possible rate increases. However, the government opted to keep things as they are, potentially revisiting the rates depending on future economic shifts and inflation trends.
Will interest rates of PPF, SCSS and other small savings schemes go up on September 30 in next quarterly review due to high inflation?
On September 30, 2026, the Finance Ministry will evaluate interest rates for small savings schemes. With high inflation and increasing G-Sec bond yields, many are speculating about potential rate hikes. Currently, various schemes offer competitive returns exceeding 7%. Despite indicators suggesting adjustments, the government has kept rates steady for several quarters. The upcoming review will clarify the government's stance on these interest rates.
6 months of salary for emergency fund: Bengaluru CA lists 6 investments every woman should make for a secure financial future
Bengaluru CA Meenal Goel emphasizes the importance of financial security for women by outlining 6 essential investment strategies. Establishing an emergency fund that covers at least six months' worth of expenses is crucial for unforeseen events. Reliable government-backed schemes such as PPF and Sukanya Samriddhi provide secure returns along with tax incentives. Affordable life and accident insurance through government plans further enhance security.
Can an NRI be a nominee for PPF, NSC or SCSS? Here’s what happens to the money after the account holder dies
NRIs can now be nominees for India's small-savings schemes like PPF and NSC, a change from 2023. While they can receive proceeds, repatriation abroad is restricted and subject to FEMA and banking rules, typically requiring crediting to an NRO account first. Understand the nuances before naming an NRI nominee.
Rs 1.2 lakh/year vs Rs 10,000/month investment in PPF: Which option can help you make larger corpus in 15 years?
Investing a lump sum each year in a Public Provident Fund (PPF) results in a significantly higher corpus than making monthly contributions. Over a span of fifteen years, a yearly investment of Rs 1.2 lakh can grow to yield nearly Rs 99,000 more compared to the monthly deposit method. Plus, PPF provides tax advantages at three different stages, with the current interest rate standing at 7.1 percent per annum.
Should you close your PPF account after becoming an NRI? Here’s what to know about maturity, withdrawal, and tax rules
Moving abroad as an NRI? Your PPF account might not need immediate closure. Discover how your contribution, withdrawal, and maturity options change. Understand the crucial differences between becoming an NRI and a foreign citizen, and navigate the tax implications in your new country of residence.
PPF rules for NRIs: Can non-resident Indians open PPF account in India?
A Public Provident Fund (PPF) is a long-term, small savings scheme offered by the government of India. The PPF offers an attractive interest rate and tax benefits under the Old Tax Regime. The PPF interest rate is 7.1% for this quarter. Interest earned is tax-free under the Income Tax Act 2025.
₹50 lakh to ₹1.4 crore: How extending your PPF can add lakhs to your corpus and who should do it
PPF maturity presents a choice: withdraw or extend for continued tax-free compounding. While government backing and tax benefits remain attractive, especially for high-income earners, individual circumstances dictate the optimal decision. Understanding extension rules and recent changes is crucial for effective retirement planning.
How can you make Rs 1 crore retirement corpus from PPF investment?
The PPF maturity period is 15 years, after which, you can continue your PPF account with or without contributions. PPF provides a 7.1% interest rate, which is reviewed quarterly. But if we assume that the interest rate won’t change, your PPF investment can help you build a Rs 1.03 crore corpus in 25 years.
PPF retirement corpus calculator: How much tax-free wealth can Rs 1.50 lakh yearly investment in PPF generate in 20 years?
Investing Rs 1.5 lakh annually in Public Provident Fund for 20 years can yield a tax-free retirement corpus exceeding Rs 66 lakh. This popular scheme offers a fixed interest rate, with compounding significantly boosting returns. PPF accounts mature in 15 years but can be extended for further growth, providing a robust wealth creation avenue.
Public Provident Fund: Has the interest rate for July-September 2025 been revised?
PPF offers tax benefits under Section 80C, with interest and maturity amounts being tax-free. Resident individuals can open a PPF account with a minimum deposit of Rs 500 and a maximum of Rs 1.5 lakh annually.
PPF account maturing? Here’s what to do
On maturity, account holders have multiple options to decide the future course of action based on their financial goals. It is important to understand these options.
Public Provident Fund (PPF): Was interest rate changed for April-June 2025 quarter?
The Public Provident Fund (PPF) in India remains a popular long-term investment option with a 15-year lock-in period and EEE tax status. The government has kept the PPF interest rate unchanged at 7.1% for the April-June 2025 quarter. Contributions offer tax benefits and the interest earned is tax-free.
Can NRIs continue to operate their PPF accounts?
NRIs navigating PPF accounts encounter restrictions and guidelines, from tax benefits to closure procedures. Understanding these rules is crucial for managing accounts effectively while maximizing investment returns and complying with regulatory requirements.
How to extend PPF account after it matures; three options to consider
PPF account matures after 15-year lock-in term. But what about once it reaches maturity? What choices are available to you if you wish to keep using your PPF account?
What to do with PPF account after it completes 15 years
PPF is one of the most preferred investment options due to its tax-exempt status. However, once the PPF account complete its 15 years, an account holder may be confused about what he can do now to earn tax-free returns and with lower lock-in periods. Once the PPF account is matured, an individual account holder has three options.
How to deal with your PPF account on maturity
You can get the maturity proceeds transferred to your savings account by submitting an application to the bank or post office in the prescribed format with details of PPF and savings accounts.
Public Provident Fund: 15 lesser known but important rules
Here are some lesser-known facts about the Public Provident Fund that can help you make a more informed investment decision.
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