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The PPF interest rate is announced by the Finance Ministry of India and the same rate is applicable to all PPF accounts irrespective of whether your PPF account is held with a bank or a post office. The interest rate of PPF accounts is reviewed on a quarterly basis by the Government and is subject to periodic change.

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Jun 22,  · The account will become inoperative if you do not apply for withdrawal within 36 months from the date you become eligible to make an application. If the account is inoperative, then it does not earn further interest. Despite the tax on the interest, EPF continues to have the highest returns among small saving schemes. So it makes sense to make.