Everyone dreams of becoming financially strong. While many people invest in stocks, mutual funds, gold, or bonds, there are also those who prefer risk-free government schemes to grow their money safely. Among all such options, the Public Provident Fund (PPF) stands out as one of the most trusted and rewarding long-term saving plans.
The Public Provident Fund, launched by the Government of India, is designed especially for individuals with low risk tolerance. Since the scheme is backed by the government, the investment is fully secure, and returns are guaranteed.
Interest Rate: 7.1% per annum (compounded annually)
Tenure: 15 years
Minimum Deposit: ₹500 per year
Maximum Deposit: ₹1.5 lakh per year (eligible for tax benefits)
PPF protects your money from stock market fluctuations, making it a stable and safe long-term investment.
If you invest ₹1.5 lakh every year in your PPF account, the power of compounding at 7.1% interest can help you accumulate over ₹40 lakh at maturity. The best part? The entire amount is 100% tax-free. This makes PPF one of the most attractive tax-saving and wealth-building schemes in India.
Guaranteed returns
Zero risk
Tax-free maturity amount
Perfect for long-term financial planning
Ideal for those who want safe, steady growth
Whether you're planning for retirement, children's education, or long-term savings, PPF can help you build a sizeable corpus without any risk.