PPF Limit

In summary

The PPF Limit helps investors maintain disciplined, long-term savings within a defined annual contribution ceiling.

• Minimum annual deposit: Rs. 500.
• Maximum annual deposit: Rs. 1.5 lakh.
• PPF tenure: 15 years, with extension options.
• Partial withdrawals generally become available from the seventh financial year.

• Bajaj Finance Fixed Deposit accepts deposits starting from Rs. 15,000.

  
  

Understanding the PPF Limit can help you plan additional investments more effectively.

While PPF provides a secure way to save for the future, its yearly deposit limits may restrict your ability to invest larger sums. To complement your savings strategy, consider investing in Bajaj Finance Fixed Deposit, offering returns of up to 8.15% p.a. and flexible tenures to maximise your wealth. Explore FD. 

Let us explore the minimum and maximum deposit rules for PPF and how you can optimise your savings with complementary investment solutions like Bajaj Finance Fixed Deposit.

What is the maximum and minimum PPF deposit limit?

The PPF Scheme prescribes both minimum and maximum annual contribution limits. These limits apply to deposits made during each financial year.

The Rs. 1.5 lakh ceiling also includes deposits in an individual's own account. It also includes deposits made in an account opened for their minor child.

What is the minimum PPF deposit limit?

The minimum deposit required for a PPF account is Rs. 500 annually. Subsequent deposits can be made in multiples of Rs. 50. The minimum contribution helps maintain the account according to applicable scheme requirements. Failure to meet the minimum contribution can result in a discontinued account status. You can learn more about PPF before deciding your annual contribution strategy.

What is the maximum PPF deposit limit?

The maximum PPF contribution is Rs. 1.5 lakh during a financial year. You can deposit this amount at once or through multiple instalments aligning with your financial goal. The annual ceiling does not increase because you make more frequent deposits. Any excess contribution falls outside the permitted annual subscription limit.

Planning to invest above your PPF limit? Secure your savings with Bajaj Finance Fixed Deposit, starting from Rs. 15,000 with flexible tenures. Book FD.

Withdrawal limit from the PPF account

PPF is structured primarily for long-term savings and has a 15-year maturity period. However, the scheme allows partial withdrawals after meeting prescribed conditions.

The withdrawal amount depends on the balance specified under the applicable PPF rules. The permitted amount is generally linked to an earlier account balance.

Key withdrawal rules:

• Partial withdrawals are permitted after the prescribed waiting period.
• Only one partial withdrawal is generally permitted each financial year.
• The applicable withdrawal ceiling is subject to the PPF Scheme.
• Premature closure is permitted after five financial years.

• Premature closure requires a permitted reason under the scheme.

  
  

The PPF Scheme permits premature closure for specified medical and higher education requirements. It also provides other prescribed grounds under the applicable rules. You should check the applicable requirements before submitting a withdrawal or closure request.

Withdrawn your PPF amount? 

Do not let it sit idle—park it in a Bajaj Finance Fixed Deposit for stable returns. Check FD rates. 

PPF accounts can be opened by eligible resident individuals under the applicable scheme. An individual can also open an account for a minor as their guardian. The scheme does not permit joint PPF accounts. An individual can maintain their own account alongside an eligible minor's account.

The scheme also contains specific provisions regarding residency changes after opening an account. Existing accounts are subject to the applicable rules governing such circumstances. As PPF rules evolve, secure your financial future today by starting a Bajaj Finance Fixed Deposit online in minutes. Open an FD account. 

Why choose Bajaj Finance Fixed Deposit after PPF maturity?

Bajaj Finance Fixed Deposit provides a fixed-return investment option with flexible tenure choices.

It also offers online and offline investment journeys.

The stated rates apply to deposits from Rs. 15,000 to Rs. 3 cr. These rates are applicable from 11 June 2025, according to the supplied product data. Interest rates can change, so investors should verify applicable rates before booking.

Benefits of Bajaj Finance Fixed Deposit

• Attractive returns: Earn up to 7.75% p.a., while Senior Citizen FD offers up to 8.15% p.a.
• Flexible investment: Start with Rs. 15,000 and choose a suitable tenure from 12 to 60 months.
• Additional senior citizen benefit: Senior citizens can receive up to 0.35% additional interest.
• High credit safety: Bajaj Finance Fixed Deposit carries CRISIL AAA/STABLE and ICRA AAA(Stable) ratings.
• Convenient booking: Choose a 100% online journey or complete the investment through online and offline modes.
• Maximum deposit: Invest up to Rs. 3 cr, subject to applicable terms.

• Useful facilities: Auto-renewal, nomination, and premature withdrawal options are available.

  
  

Start planning your fixed-return investment with Bajaj Finance Fixed Deposit. Open FD

The PPF Limit remains Rs. 1.5 lakh for each financial year. The minimum annual contribution remains Rs. 500 under the PPF Scheme. The scheme supports disciplined long-term savings through defined contribution and withdrawal rules. Investors seeking additional fixed-return investment capacity can consider Bajaj Finance Fixed Deposit. Bajaj Finance Fixed Deposit starts at Rs. 15,000 and offers 12 to 60-month tenures. Its Senior Citizen FD provides up to 0.35% additional interest over applicable regular rates.

Whether you are withdrawing, transferring, or planning retirement—make the most of your savings with Bajaj Finance Fixed Deposit, offering up to 8.15% p.a. returns. Explore FDs.