Why You Should Invest In PPF Before April 5
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Image: Pexels
By: Nikhil Pandey
4 April 2026
Public Provident Fund offers tax-free interest and maturity benefits, regardless of chosen income tax regime by investors
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Sukanya Samriddhi Yojana also provides exempt-exempt-exempt status, ensuring completely tax-free returns on investments for long-term wealth creation
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Under old tax regime, investments up to Rs 1.5 lakh qualify for deductions under Section 80C benefits
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New tax regime removes deductions, but PPF and SSY still remain attractive due to tax-free returns
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Depositing in PPF before April 5 ensures interest is calculated for entire month of April
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Interest in PPF is calculated monthly based on lowest balance between fifth and last day
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Deposits made after April 5 miss interest accrual for that month, reducing overall annual returns slightly
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Early contributions each year or monthly deposits before fifth maximise long-term compounding and maturity benefits significantly
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Even small delays in deposits can lead to noticeable interest loss over long investment horizons
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SSY investments help build tax-free corpus for girl child while offering similar interest benefits as PPF
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