PPF investing rules have changed; be aware of them before making a deposit if you don't want to have any trouble.

 PPF investing rules have changed; be aware of them before making a deposit if you don't want to have any trouble.

New PPF investing regulations The PPF investment regulations have been altered by the government. The interest rate has been lowered from two percent to one percent if you take out a loan against the PPF deposit.


Changes to PPF investing rules: If you also have a PPF account, this information will be helpful to you. The government periodically modifies the regulations governing all deposit systems. There are both large and tiny changes over time. The Sukanya Samriddhi Yojana (SSY) has undergone numerous revisions in the past.

Your PPF account donation should be in multiples of 50.
Your PPF account contribution should be made in multiples of Rs 50. This sum must be at least Rs. 500 or higher per year. But, you can only deposit Rs. 1.5 lakh into your PPF account in a calendar year. In addition, you can only deposit money into your PPF account once per month as of right now.

Fill out Form 1 to start a PPF account.
Form-1 must be supplied in place of Form A in order to open a PPF account. Application must be submitted in Form-4 rather than Form H if you want to prolong your PPF account by one year before maturity after 15 years (with a deposit).

Even after reaching adulthood, you can decide to continue.
Even after 15 years, you can keep using your PPF account without making any deposits. It is not required that you put money into it. If you choose to keep your PPF account after it reaches maturity, you can only withdraw money once every fiscal year.

loan interest
The interest rate has been lowered from two percent to one percent if you take out a loan against the PPF deposit. You must pay the interest across two installments after paying the loan's principal. Interest is computed starting on the first of each month.

a loan of 25%
Before two years from the date of application, when you can only borrow 25% of the PPF amount that is in the account, if you wish to take a loan against a PPF account. For instance, you submitted your application on March 31, 2022. If you have Rs 1 lakh in your PPF account on March 31, 2019, which is two years prior to this date, you might have gotten a 25% loan.