PPF: Maximize Returns! Your Ultimate Guide to Smart Investing in a Volatile World

• PPF offers government-backed safety, predictable 7.1% tax-free returns, and EEE tax status, making it a reliable long-term investment despite its 15-year lock-in.
• To maximize returns, deposit funds before the 5th of each month, as interest is calculated on the lowest balance between the 5th and month-end.
• Annual contributions are capped at Rs 1.5 lakh, including deposits for minor children; exceeding this limit yields no interest or tax benefits.
• Partial withdrawals are allowed after 5 years (capped at 50% of eligible balance), and loans can be taken between years 1-5 against 25% of the balance.
• At maturity, investors can withdraw, continue without deposits, or extend in 5-year blocks with fresh contributions, offering flexibility for long-term financial planning.

Why It Matters: PPF is a dependable, tax-efficient anchor for long-term financial security, best combined with growth assets.