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  3. /PPF & SSY

PPF & SSY

Tax-free returns, long lock-ins, and EEE status — understand PPF and Sukanya Samriddhi Yojana rules, limits, and how they fit your portfolio.

Key facts

Current rate (indicative)
Set quarterly by govt. (~8% p.a.)
Risk level
Very low (sovereign-backed)
Annual limit
₹500 min – ₹1.5 lakh max
Lock-in
15 years (extendable in blocks of 5)
Tax status
EEE — 80C deduction + tax-free interest

Guides

Risk Profile Assessment: How to Know Your Risk Appetite

Before investing a single rupee, you need to know your risk profile — conservative, moderate, or aggressive. This guide walks you through a self-assessment framework, explains why your emotional risk tolerance matters more than your financial capacity, and how to match investments to your risk profile.

How to Start SIP in Mutual Funds: A Beginner's Complete Guide

SIP (Systematic Investment Plan) is India's most popular wealth-building tool for beginners. This guide covers how SIPs work, how to start one in 5 minutes, how to choose the right mutual fund, and what returns to expect over 5, 10, and 20 years.

How to Choose the Right Mutual Fund: Risk, Returns and Your Goals

With over 1,000 mutual fund schemes in India, picking the right one can be overwhelming. This guide breaks down how to evaluate a mutual fund — from expense ratio to fund manager track record to risk-adjusted returns — so you can make an informed decision.

How to Open a Demat Account: Step-by-Step Process

A Demat account holds your shares and securities in electronic form — it is required to buy and sell stocks on Indian stock exchanges. This guide explains how to open a Demat account with Zerodha, Groww, HDFC, or ICICI, the documents needed, and what happens after account opening.

First Stock Trade: How to Buy and Sell Shares in India

Your first stock trade can be made in under 5 minutes once your Demat account is ready. This guide walks you through placing your first buy order on NSE, understanding order types, what T+2 settlement means, and how to build a watchlist of stocks to watch before buying.

Frequently Asked Questions

More answers in Investment Q&A

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