What are the historical returns of Public Provident Fund (PPF)?

1-year returns: 6.5–8.5%, 3-year: 6.5–8.5%, 5-year: 6.5–8.5%. Past performance is not a guarantee of future results.

What is the minimum investment for Public Provident Fund (PPF)?

Minimum ticket size: ₹1,000. ₹1,000 minimum.

9. Deposits & Small Savings

Public Provident Fund (PPF)

Government Savings Schemes

Long-term (15-year) government savings scheme with tax-free interest and EEE tax status.

Risk Level

Low ★★☆☆☆

Liquidity

🔴 Low

Min Investment

₹1,000

Ticket Size

₹1,000 minimum

Ideal Horizon

1–5 years

Region

India

📈 Historical Returns (Indicative)

1 Year

6.5–8.5%

3 Years

6.5–8.5%

5 Years

6.5–8.5%

10 Years

7–8%

20 Years

7–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Public Provident Fund (PPF)

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

✅ Low risk — capital largely protected

Disadvantages

❌ Low liquidity — funds may be locked in for years

🚀 How to Invest in Public Provident Fund (PPF)

Open PPF account at any nationalized bank or post office
Available online via SBI, HDFC, ICICI net banking
Deposit between ₹500 and ₹1.5 lakh per financial year
Tenure 15 years, extendable in 5-year blocks

💰 Tax Treatment (India)

EEE: Contributions deductible u/s 80C, returns tax-free, maturity tax-free
Triple tax exemption — most tax-efficient instrument in India

Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.

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