PPF Loan vs. Personal Loan: Which Is the Smarter Choice for Your Needs?

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PPF vs Personal Loan: Which is Better? Uncover the Cheaper, Safer Option!

পিপিএফ ঋণ না ব্যক্তিগত ঋণ? কোনটি আপনার জন্য বেশি লাভজনক জেনে নিন (Image: AI)

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News18•08-03-2026, 08:53

PPF vs Personal Loan: Which is Better? Uncover the Cheaper, Safer Option!

•PPF loans offer a significantly lower interest rate of 8.1% (7.1% PPF rate + 1% additional) compared to personal loans (12-18%).
•No CIBIL score check or additional documentation is required for a PPF loan, as your own deposits serve as collateral.
•PPF loans are available from the 1st to 5th year of account opening, with a maximum repayment period of 36 months.
•Failure to repay the PPF loan within 36 months increases the additional interest rate from 1% to 6%, plus penalties.
•PPF is a safe, E-E-E tax-free investment, providing a cheap loan option in emergencies without processing fees.

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