Should you open a PPF account for your children? The answer is YES. Can you open a PPF account for your children? Yes. The PPF account rules allow you to open a PPF account for minor children. And what is…
Read More Why You Should Open a PPF account for Minor Children (2023)?
Yes, you read that right. You will now have 2 EPF accounts. In a way atleast. It was earlier announced in Budget 2021, that in a given financial year, the government came up with the new EPF 2.5 lakh rule…
Read More How will EPF above Rs 2.5 lakh be taxed? With 2 EPF accounts!
When we Indians start earning for the first time, the first brush with savings happens via EPF deductions. Your salary is automatically deducted and some amount goes towards your EPF corpus. Then comes the first tax-saving season. When we wake…
Will the government cut your PPF rates and the rates for other small savings schemes like Sukanya Yojana, SCSS, NSC interest rates in the coming quarter? It is possible. In fact, in the last quarterly update, it did cut the…
No. This is no April Fool’s thing even though it might seem like one. In less than 24 hours after announcing big rate cuts, the government took a u-turn, backtracked on its decision and reversed the rate cuts by withdrawing…
Read More PPF, Sukanya Rate Cuts Withdrawn. But take the hint & Be Ready
In India, many PPF account holders have a habit of depositing full Rs 1.5 lakh in PPF between 1st and 5th April to maximize the interest benefit for their PPF accounts. However, many investors do not know how PPF interest…
Read More Why Invest Rs 1.5 lakh in PPF before 5th April? (2025)
Two readers mailed me similar queries: Can I open Sukanya Samriddhi Account as well as a PPF account for my girl child? and Should I choose Sukanya Samriddhi Yojana or PPF when investing for my daughter? The answer is simple.…
Read More Can you open both Sukanya Samriddhi and PPF account for Daughter?
The Budget 2021 has proposed that from April 2021, interest on any contribution above Rs 2.5 lakh per year in PF will be taxed. There is some confusion among a few people that will this rule also apply to the…
Read More Is taxable PF interest (Rs 2.5 lakh) rule applicable to PPF?
The Budget 2021 changed the EPF interest taxation rule (details here). Now if the employee contribution to PF (via EPF and/or VPF) exceeds Rs 2.5 lakh in a year, then the interest on the additional amount (above Rs 2.5 lakh)…
Read More Should you still invest more than Rs 2.5 lakh in EPF?
Should you invest before the 5th of every month in the PPF account? Should you invest Rs 1.5 lakh before 5th April every year for maximum returns from your PPF account balance? The answer to these questions is Yes no…
Voluntary Provident Fund or Public Provident Fund in 2024. Difference between VPF Vs. PPF and how to choose between the two? This was a dilemma when even I joined my salaried job for the first time more than a decade…
Normally, the Public Provident Fund or PPF account matures at the end of the 15th year. At that point, you can either withdraw the full amount tax-free or extend your PPF account (with or without contribution) further for a block…
Read More PPF Withdrawal & Loan from PPF Account (Rules before 15 years: Updated 2024)
Most people are aware of how PPF works and how interest is calculated on PPF account balance. After all, they are investing in PPF to earn interest on their contributions. And being a long-term savings product, it is also well…
Read More PPF Maturity Options after 15 Years: Updated Rules 2024
Many NRIs have questions related to PPF accounts. Like Can NRI invest in PPF in 2025? And like what are the latest rules of PPF for NRIs, etc. So I wanted to do a short post on the latest Public…
Read More Can NRI invest in PPF? New PPF Rules for NRI (2025)
The VPF Interest Rate is 8.25% for the financial year FY 2024-25. I know you want to know much more about the historical Voluntary Provident Fund interest rates. But before we see the full multi-decade details of the VPF Interest…
