PPF

Unclaimed PPF, NSC, SCSS accounts to be frozen twice a year if inactive for over 3 years

Jul 18, 2025, 03:08 PM IST

The Post Office will now freeze small savings accounts that remain idle for over three years post-maturity. This action will be carried out twice a year to protect depositors' funds from misuse or neglect.Schemes like PPF, NSC, SCSS, and MIS are all covered under this stricter compliance rule.

Raising a child can cost up to Rs 85 lakh — Expert picks SIPs, PPF, Sukanya Samriddhi for set goal

Jul 02, 2025, 08:11 PM IST

The joy of bringing a child into the world can quickly be shadowed by the sheer cost of raising them in India. Financial advisor Siddhant Garg warns that nurturing a child from birth to adulthood could demand anywhere between ₹55 lakh and ₹85 lakh.

Small savings schemes: PPF, SSY, SCSS, Post Office FD, NSC interest rates unchanged for Q2 FY26

Jun 30, 2025, 11:36 PM IST

Small savings schemes like PPF, SCSS, and Sukanya Samriddhi will continue offering the same interest rates for the July-September quarter of FY26. The government has opted for stability, keeping rates unchanged despite market fluctuations.

Will PPF interest rates dip below 7% in July—September quarter? Will the government act soon?

Jun 26, 2025, 08:01 PM IST

Public Provident Fund (PPF) rates may soon dip below 7% as falling bond yields and repo rate cuts pressure returns. Analysts point to the Gopinath Committee formula, which links PPF to 10-year G-sec yields, now at 6.3%. However, experts caution that political sensitivities may delay any sharp rate cut to protect retail investors.

Investing in PPF: Why Public Provident Fund’s 7.1% tax-free return beats most FDs hands down

Jun 14, 2025, 07:18 PM IST

With tax-free annual returns of 7.1%, the Public Provident Fund (PPF) quietly outperforms most fixed-income options for top taxpayers. To match its post-tax returns, someone in the 30% tax bracket would need an alternative investment offering over 10% pre-tax—a tough find without significant risk.

'PPF/PF is not really retirement planning...': Finfluencer slams myth of safe returns in India

Jun 06, 2025, 08:30 PM IST

The RBI now expects FY26 inflation to average just 3.7%, with Q1 projected as low as 2.9%, driven by easing food prices and benign core inflation.

No goals, no gains: The brutal truth about why your investments keep underperforming – expert explains

May 22, 2025, 07:58 PM IST

Investment goals bring structure and discipline to your financial journey. Without a goal, your money lacks direction — making it easy to dip into savings for impulse expenses. But with a defined goal, every rupee has a job.

I am 39 and currently single & unemployed. Is Rs 5.5 crore fund a comfortable retirement in India?

May 10, 2025, 10:18 PM IST

Early retirement demands more than just a big number—it requires careful planning to ensure your funds last decades. A secure future typically needs a well-diversified portfolio, inflation-adjusted withdrawals, and at least 25–30 times your annual expenses saved up. The key is balancing lifestyle goals with longevity risk.

Rs 10 lakh per month: Ambitious or achievable? Here's a reality check of your financial goals

May 09, 2025, 04:08 PM IST

Financial goals, such as securing your child’s education and marriage, planning for retirement, and buying a home, fall under the category of essential and time-bound objectives. These are not just aspirational targets; they are critical milestones that typically come with fixed timelines and rising costs, making them non-negotiable in your long-term financial planning.

Filing income tax returns in 2025? Here’s who must file and what documents you’ll need

Apr 29, 2025, 11:51 PM IST

Essential papers include the Permanent Account Number (PAN), Aadhaar card, Form 16 provided by your employer, Form 26AS, and Annual Information Statement (AIS) or Tax Information Summary (TIS) statements.

Tax planning 2025–26: What taxpayers need to know before picking the perfect regime

Apr 17, 2025, 08:54 PM IST

The changes announced during the Budget 2025 presentation on February 1, 2025, including the exemption of income tax for earnings up to Rs 12 lakh, have come into effect on April 1, 2025.

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