If you are looking for a safe and good return scheme for your future, SBI PPF Scheme 2025 is a great option for you. This scheme not only keeps your money safe, but also gives you a discount in tax and gives great returns in the long term. In today’s time, when there is a lot of market fluctuations, SBI PPF Scheme is a reliable and guaranteed return scheme.
SBI PPF Scheme, ie State Bank of India Public Provident Fund, is a long -term saving scheme supported by the Government of India. Investing in it not only gives you good interest, but also gives tax exemption. The most important thing about this scheme is that both interest and maturity amounts available in it are tax free. Its interest rate in 2025 is 7.1%, which is much better than other savings schemes.
In this article, we will know the complete information of SBI PPF Scheme 2025, its advantages, investment process, interest rate, tax exemption, and how you can get great returns from this scheme.
SBI PPF Scheme 2025: Full Details and Benefits
SBI PPF Scheme is a long -term investment plan, in which you can invest at least ₹ 500 and maximum ₹ 1.5 lakh annually. Its duration is 15 years, which you can extend in a 5-5 year block. The interest received in it is compound every year, which increases your money rapidly.
SBI PPF Scheme 2025 Overview Table
| Feature | Details |
| Scheme Name (Scheme Name) | SBI Public Provident Fund (PPF) |
| Minimum Investment | ₹ 500 per year |
| Maximum Investment | ₹ 1,50,000 per year |
| Interest Rate | 7.1% (in 2025) |
| Tenure | 15 years (can be extended in 5 years block) |
| Tax Benefit | Discount up to ₹ 1.5 lakh under Section 80C |
| Partial withdrawal | 7 years later |
| Loan Facility | Available between 3 and 6 years |
| Account Transfer | Possible in any branch/post office |
| Nomination | Available |
| Interest compounding (compounding) | annual |
| For NRI (For NRI) | Can not continue the old account, old |
SBI PPF Scheme is Thama? (What is SBI PPF Scheme?)
SBI PPF Scheme is a government guaranteed savings scheme in which you invest your money for 15 years. The interest received in it is compound every year, which gives great returns on your investment. This scheme is especially for those who want to increase their money without any risk and also get a discount in tax.
Headlines:
- Government supported, fully safe
- 15 year lock-in period
- Tax free interest and maturity amount
- 7.1% interest rate annually (in 2025)
- Minimum investment ₹ 500, maximum ₹ 1.5 lakh per year
SBI PPF Scheme 2025 SAAANA (Benefits of SBI PPF Scheme 2025)
- Government guarantee: This scheme is supported by the Government of India, so there is no risk in it.
- Higher interest rate: 7.1% annual interest in 2025, which is more than Savings account or FD.
- Tax exemption: Tax exemption, interest and maturity amount also tax free under Section 80C.
- Loan and partial withdrawal: Loan after 3 years and 7 years later partial withdrawal facility.
- Flexible investment: You can invest together or in 12 installments.
- Account transfer: Can transfer account to any branch or post office.
- Enrollment facility: You can make any member of your family a nominee.
How to invest in SBI PPF Scheme 2025? (How to Invest in SBI PPF Scheme 2025?)
SBI PPF Account is very easy to open. You can open it in both online or offline methods.
Online method:
- Login to SBI Net Banking.
- Go to the “Request & Enquiries” section.
- Select “New PPF Account” option.
- Fill and submit the necessary details.
- Your PPF account will open immediately.
Offline method:
- Go to the nearest SBI branch.
- PPF account opening form (Form A) Pero
- Submit KYC documents (ID, Address Proof, Photo).
- Deposit at least ₹ 500.
- You will get a passbook that will have all the details.
SBI PPF Scheme 2025: Interest Rate & Return Calculation
The interest rate of SBI PPF Scheme in 2025 is 7.1%, which is compound every year. This means that interest is added every year on your investment and gets interest on it next year.
Example: Return on ₹ 90,000 annual investment
| Year (year) | Total Investment | Interest earned | Total Value |
| 1 | ₹ 90,000 | ₹ 3,195 | ₹ 93,195 |
| 2 | ₹ 1,80,000 | ₹ 10,055 | ₹ 1,90,055 |
| 3 | ₹ 2,70,000 | ₹ 17,369 | ₹ 2,87,369 |
| 4 | ₹ 3,60,000 | ₹ 25,166 | ₹ 3,85,166 |
| 5 | ₹ 4,50,000 | ₹ 33,467 | ₹ 4,83,467 |
| 6 | ₹ 5,40,000 | ₹ 42,293 | ₹ 5,82,293 |
| 7 | ₹ 6,30,000 | ₹ 51,668 | ₹ 6,81,668 |
| 8 | ₹ 7,20,000 | ₹ 61,617 | ₹ 7,81,617 |
After 15 years, a large amount is made by mixing your investment and interest, which is completely tax free.
SBI PPF Scheme 2025: Tax Benefits
- EEE Category: PPF Scheme is placed in EEE (exempt-exmept-exempt) tax category.
- Rebate on investment: Tax exemption up to ₹ 1.5 lakh under Section 80C.
- Rebate on interest: interest tax free every year.
- Maturity Amount: The entire amount received after 15 years is tax free.
SBI PPF Scheme 2025: Partial withdrawal & loan facility
- Loan Facility: Between the third year to the sixth year, you can take a loan on your PPF account. The loan amount can be up to 25% of your account balance.
- Partial withdrawal: After the seventh year you can do partial withdrawal from your account. The amount of withdrawal can be up to 50% of your balance.
- Price hike: No tax is levied on both loan and withdrawal.
SBI PPF Scheme 2025: Who can open an account? (Who can open sbi ppf account?)
- Any Indian citizen can open an account.
- Parents can also open an account in the name of their children.
- NRI (Non-Resident Indian) cannot open a new account, but if he has opened an account while in India, he can continue it.
- There can be only one PPF account in the name of a person.
SBI PPF Scheme 2025: Documents required
- Sarai PPF account opening form (Form -1)
- Passport Size Photo
- Identity Card (PAN Card, Aadhaar Card, Voter ID, Driving License)
- Other cards, passports, electricity bills etc.)
SBI PPF Scheme 2025: Tips to Maximize Returns)
- Invest before the 5th of every month, so that the entire month’s interest is received.
- Invest up to the maximum limit of ₹ 1.5 lakh annually, so that both tax exemption and interest are fully benefited.
- Start investment quickly, so that compounding gets more benefit.
- After 15 years, keep increasing the account in the 5-5 year block, so that interest is received.
- Use partial withdrawal and loan only when needed.
SBI PPF Scheme 2025: Frequently Asked Questions (FAQ)
Q1. Is it safe to invest in PPF account?
Yes, it is supported by the Government of India, so it is completely safe.
Q2. Can the interest rate change?
Yes, the interest rate is fixed by the government every quarter, but for the last few years it has been stable at 7.1%.
Q3. Can I transfer my PPF account to another bank or post office?
Yes, you can transfer your account without any charge.
Q4. Can NRI PPF account open?
No, NRIs cannot open a new account, but if you have opened in India, you can continue it.
Q5. Can the account be increased after maturity?
Yes, you can increase the account in a 5-5 year block.
SBI PPF Scheme 2025: Why choose? (Why Choose SBI PPF Scheme 2025?)
- Non-risky investment: a completely safe from market fluctuations.
- Suitable for long term: Best for children’s education, marriage or retirement.
- Simple process: You can open an account with both online and offline methods.
- Tax Savings: Investment, Interest and Maturity Amount All three Tax Free.
Conclusion
SBI PPF Scheme 2025 is a great long -term investment option, in which you get guaranteed returns, tax exemption and complete security. If you want to increase money for your future without any risk, then this plan is best for you. Invest on time, take advantage of compounding and fulfill your dreams.
Disclaimer:
This article is only for information. SBI PPF Scheme 2025 is a real and government scheme, in which investment is completely safe. The interest rate can be changed by the government from time to time, so consult a bank or financial advisor before investing. The returns mentioned in it are for example, the real return will depend on the interest rate and investment amount.
By investing in SBI PPF Scheme 2025, you can make your future safe, but must read all the terms and conditions before investing.
