Author: Ronojit Roy

Gratuity Calculator (ClearTax Style) Gratuity Calculator Estimate your gratuity amount based on your last drawn salary and years of service. Basic Salary (₹) Please enter a valid salary. Dearness Allowance (₹) (optional) Years of Service Please enter a valid number of years. Covered under the Payment of Gratuity Act, 1972 Calculate Gratuity Total Gratuity Payable ₹ 0 The estimated gratuity amount is calculated based on the formula for employees covered under the Gratuity Act. Formula: Gratuity = (Years × (Basic + DA) × 15) ÷ 26 Gratuity is payable only after completing 5 years of continuous service. Gratuity Calculator –…

The Gratuity New Rule 2026 refers to the revised statutory framework for gratuity in India that comes into force under the newly consolidated labour codes, effective for employees exiting employment on or after November 21, 2025. Under these updated rules, fixed-term employees can claim gratuity after one year of continuous service, while the requirement for permanent employees remains five years of continuous service. Gratuity continues to be calculated based on last drawn wages (Basic + Dearness Allowance) using the statutory formula and enjoys tax exemption under Section 10(10) of the Income Tax Act up to prescribed limits. Official notifications and…

The Public Provident Fund new rules, effective in FY 2025-26 and into 202,6 maintain the Government of India’s long-term savings framework with a maximum annual investment limit of ₹1,50,000, a tax-free interest rate of 7.1%, and structured withdrawal provisions that balance liquidity with disciplined saving. The Ministry of Finance’s notifications set these rules, and the official government source outlining the Public Provident Fund details is available on the National Savings Institute (NSI) website at nsiindia.gov.in – Public Provident Fund (official scheme page). This article explains what the Public Provident Fund’s new rules entail for investors in clear terms, covering contribution…

The Public Provident Fund Interest Rate History provides a comprehensive, year-by-year account of how the Government of India has set interest rates for the Government-backed long-term savings instrument known as the Public Provident Fund (PPF). From its inception in 1968 with a modest rate of 4.8% to the rate of 7.1% applicable in 2025–26, this authoritative chronology highlights how economic conditions, policy decisions, and market movements have shaped returns on PPF over nearly six decades. The historical schedule below draws from official Government of India records published by the National Savings Institute under the Ministry of Finance. You can view…

A Public Provident Fund (PPF) account is a long-term, government-backed savings instrument in India that allows resident individuals to accumulate savings with tax-free interest and assured returns, requiring a minimum deposit of ₹500 and a maximum of ₹1,50,000 per financial year effective now; you can open the account at a bank or post office, and detailed official scheme rules are available through the Government of India’s National Savings Institute site (https://www.nsiindia.gov.in) as governed by the Public Provident Fund Scheme-2019. This article explains everything you need to open a Public Provident Fund (PPF) account, from eligibility and documents to benefits and…

The Public Provident Fund Account interest rate for the January–March 2026 quarter, effective from 1 January 2026, stands at 7.1% per annum, as notified by the Government of India. This rate applies to all eligible Public Provident Fund accounts and is tax-free under Indian tax laws, making it an important consideration for conservative and long-term investors seeking guaranteed returns on government-backed savings. This article explains the current PPF interest rate, compares it with past rates, outlines eligibility, key benefits, rules, and calculation methods, and highlights why the Public Provident Fund remains a favoured long-term investment choice. Key Highlights FeatureDetailsNotesInterest Rate7.1%…

The SBI Public Provident Fund Interest Rate for the January–March quarter of 2026 is 7.10% per annum, applicable on the balance in your PPF account and credited at the end of the financial year, effective from January 1, 2026, to March 31, 2026, as notified by the Government of India’s small savings quarterly review. The Public Provident Fund is a long-term, government-backed savings instrument that helps investors earn fixed, tax-free interest while building a retirement corpus. This article covers the latest PPF interest rate, how returns are calculated, contribution limits, tax treatment, and SBI-specific processes to help you plan your…

The Public Provident Fund withdrawal rules determine when you can access money from your PPF account and how much you may withdraw at various stages of the investment term. In simple terms, you can make a partial withdrawal of up to 50 per cent of the balance in specified years once the account has matured past the minimum period, whilea complete withdrawal of the full corpus is permitted after the 15-year maturity period as per the Public Provident Fund Scheme, 1968 (Government of India official scheme). Withdrawals are typically tax-free and governed by central government regulations. Key Highlights The entire…

The Public Provident Fund (PPF) Scheme in Post Office is a long-term, government-backed savings scheme offered by India Post that allows individuals to invest securely with attractive interest and tax benefits. As of the current applicable period (January–March 2026 quarter), the interest rate on PPF accounts held at post offices is 7.10% per annum, compounded annually and credited at the end of the financial year. The scheme has a 15-year maturity period, with a minimum annual contribution of ₹500 and a maximum of ₹1,50,000 under Section 80C of the Income Tax Act, 1961, where contributions, interest earned, and maturity proceeds…