What are the benefits of having a PPF account?

To reiterate, investments into your PPF account are deductible (up to Rs. 1,50,000 p.a.). Interest earned on the investment is completely exempt from tax, so that’s a return of 7.10% p.a. tax free. One of the best features of the PPF is, the account cannot be attached to any claim in case of debt or liability, so the money is yours for life. Even if you go bankrupt, and as your friendly financial planning firm we are certain you will not, this money can never be claimed by any creditor to repay a debt. There are more things to know about the PPF account, which we will go into ahead.