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Post Office Schemes
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PPF Account Transfer 2026: How to Move Your PPF From Post Office to Bank (or Bank to Bank) Without Resetting the Clock
A Public Provident Fund account isn't locked to the branch where you opened it — it can move from a post office to a bank, bank to bank, or even post office to post office, and the 15-year maturity clock keeps running from the original opening date. Here's the actual transfer process, the documents your current branch has to forward, and why it still isn't a same-day process anywhere.
Post Office Schemes6 min Oct 4, 2026How to Open a PPF Account Online in 2026: SBI, HDFC, and Post Office Compared
Banks let you open a PPF account online in minutes through net banking — post offices still don't, despite running much of India's digital banking push elsewhere. Here's exactly how SBI and HDFC Bank do it, what you need ready before you start, and why a post office PPF account still means a physical visit.
Post Office Schemes6 min Oct 1, 2026PPF Nomination Rules 2026: How to Add, Change, or Cancel a Nominee — Up to 4, Free of Cost
A rule notified in April 2025 lets PPF holders name up to four nominees and update them for free, yet most accounts still have none registered. Here is exactly how the nomination process works, how the payout splits across multiple nominees, and what changes when a nominee is a minor.
Post Office Schemes5 min Sep 29, 2026PPF Account for Minors 2026: Guardian Rules, the Shared ₹1.5 Lakh Limit, and What Happens at 18
A parent can open a PPF account for a child of any age — but the ₹1.5 lakh annual limit isn't a fresh allowance for the child. It's shared with the guardian's own PPF account, and depositing beyond it in either account earns zero interest on the excess.
Post Office Schemes6 min Sep 19, 2026Can an HUF Open a PPF Account? The 2005 Rule Depositors Still Get Wrong in 2026
Bank staff and post office clerks still occasionally let a family try to open a PPF account in the name of their HUF — a request the rules have blocked since 2005. Here's what actually happened to accounts opened before that date, and how an HUF can still claim an 80C deduction through PPF without holding an account of its own.
Post Office Schemes5 min Sep 15, 2026Can NRIs Invest in SCSS, PPF, or NSC in 2026? The Rules Nobody Explains Clearly
Every small savings scheme in India assumes the investor lives here — and the moment your residential status changes, three of the most popular ones react in three completely different ways. SCSS shuts the door outright. PPF lets you keep an old account limping along under strict conditions. NSC lets you hold what you already bought but never add another rupee. Here's which rule applies to which scheme, and what to actually do with money already locked in.
Post Office Schemes6 min Sep 2, 2026India Post Payments Bank (IPPB) 2026: Interest Rate, the ₹2 Lakh Cap, and How It Differs From a Post Office Savings Account
IPPB and the Post Office Savings Account are two different products run out of the same post office counter, and most people never learn which one they actually opened. IPPB pays a lower rate and caps your balance at ₹2 lakh by law — but doorstep cash withdrawal by biometric postman is the one feature no bank savings account offers.
Post Office Schemes6 min Aug 25, 2026Post Office Scheme Death Claim Rules 2026: How Heirs Claim PPF, Sukanya Samriddhi, NSC, and KVP
A PPF or Sukanya Samriddhi balance doesn't pass to the family automatically when the holder dies — it has to be formally claimed, and the process looks different for each post office scheme. Skipping nomination at account opening is the single most common reason a straightforward claim turns into a months-long paperwork chase.
Post Office Schemes6 min Aug 25, 2026PPF Account Extension Rules 2026: How the 5-Year Block Extension Works — With or Without Contribution
PPF's 15-year term rarely actually ends there — most accounts simply roll into 5-year extension blocks instead. But the two ways to extend work completely differently, and missing one form within a year of maturity can quietly cut off deposits for the next five years.
Post Office Schemes6 min Aug 19, 2026PPF Interest Calculation 2026: Why the 5th of the Month Rule Can Cost You Thousands
PPF interest is calculated on the lowest balance between the 5th and last day of every month — not on what you deposit or when. Miss the 5th with a lump-sum deposit and you lose a full month of interest on it, a mistake that compounds into a meaningfully smaller corpus by the time your account matures.
Post Office Schemes5 min Aug 12, 2026PPF for NRIs in 2026: Why Thousands of Accounts Now Earn 4% — or Nothing
An NRI who opened a PPF account while still resident in India was, for decades, allowed to keep extending it in 5-year blocks after maturity — earning the full PPF rate the entire time. A Ministry of Finance rule effective October 1, 2024 shut that down, and retroactively cut the interest on extended accounts to the savings-account rate, then to zero. Here's exactly who is affected and what to do about it.
Post Office Schemes6 min Aug 3, 2026Post Office Savings Account 2026: Interest Rate, Rules, and the Tax Break Most People Miss
The Post Office Savings Account is India's oldest deposit product, still paying 4% while banks chase you with promotional rates — but its real edge isn't the interest rate at all. A separate tax exemption, stacked on top of the usual savings-account deduction, quietly shelters more of its interest than most taxpayers realise, in both tax regimes.
Post Office Schemes6 min Jul 22, 2026NSC Complete Guide 2026: National Savings Certificate Interest Rate, Lock-in, and Tax Rules
The National Savings Certificate is the only major small savings scheme under Section 80C that doesn't have an upper limit on deposits — yet most investors overlook it in favour of ELSS or PPF. Here's what NSC offers, what the tax treatment actually looks like year by year, and who it suits.
Post Office Schemes7 min Jul 21, 2026Post Office Recurring Deposit (RD) 2026: Interest Rate, Rules & How Maturity Is Calculated
Post Office RD pays 6.7% a year, compounded quarterly (October–December 2026). Maturity table, missed-instalment rules, early closure, loan and tax.
Post Office Schemes6 min Jul 16, 2026Post Office Time Deposit (POTD) 2026: Rates, Section 80C Rules & Bank FD Comparison
POTD's 5-year rate of 7.5% beats every major bank's tax-saving FD, and only that 5-year tenure qualifies for Section 80C. But a 2023 rule now locks the same 5-year deposit in for a full 4 years with no premature exit option at all.
Post Office Schemes6 min Jul 15, 2026Mahila Samman Savings Certificate 2026: Is It Still Open? What Replaces It Now
MSSC stopped accepting new deposits on April 1, 2025, and there's no relaunch on the table. Here's what happens if you already hold one, and what actually replaces it for women investors now — PPF, Sukanya Samriddhi, or a plain FD.
Post Office Schemes5 min Jul 13, 2026Post Office Monthly Income Scheme (POMIS) 2026: 7.4% Paid Out Every Month
POMIS pays 7.4% a year (October–December 2026), credited monthly, on up to ₹9 lakh (single) or ₹15 lakh (joint). Limits, early-exit costs and tax.
Post Office Schemes5 min Jul 11, 2026Sukanya Samriddhi Yojana 2026: Eligibility, Deposit Rules, Maturity, and How to Open an Account
SSY pays 8.2% with EEE tax treatment — but the account rules trip up most parents. This guide covers the under-10 eligibility window, the ₹250–₹1.5 lakh deposit range, the maturity date most families miscalculate (21 years, not 15), the 50% education withdrawal rule, and how to open or transfer an account in 2026.
Post Office Schemes5 min Jul 10, 2026Kisan Vikas Patra 2026: The Post Office Scheme With a Tax Trap Most Investors Miss
KVP doubles your money in 115 months at 7.5% — but unlike NSC, it gives you zero Section 80C deduction, and 10% TDS gets deducted every single year. Here is who it actually suits.
Post Office Schemes5 min Jul 9, 2026Post Office FD vs Bank FD: Which Is Better in 2026?
On current rate cards the Post Office TD pays 7.5% for 5 years against 6.05% at SBI and 6.40% at HDFC. See the dated comparison, safety limits, TDS and who should choose which.
Post Office Schemes6 min Jun 18, 2026
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