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What is the best time to invest in PPF?

Public Provident Fund (PPF) is indeed the most popular investment avenues for creating a long-term retirement fund. It has low risk, moderate returns, and added tax benefits- for these few significant factors, PPF is deemed an attractive option for investment. Since PPF deposits are government-guaranteed, it makes it safer than financial instruments like FD’s.

If you are one of the subscribers of the Public Provident Fund (PPF) and have opened a PPF account under this scheme, then you should be aware of the best time to invest in PPF. The best time to invest in Public Provident Fund (PPF) is between 1st to 5th of any month, preferably in April ever year, because interest is calculated for the calendar month on the lowest balance in your account between the end of the 5th day and the end of the month. However, the amount must be present in your PPF account before the close of the 5th day of the month, i.e., cash must have been deposited or cheque must have been cleared.

 

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