EPF · PPF

Tax-free in India. Not in the US.

EPF and PPF are exempt in India at contribution, on the interest and at maturity — which is why every Indian calculator stops at the maturity amount. Neither is a qualified plan under the Internal Revenue Code and the treaty does not exempt them, so a US person owes tax on the interest. When is genuinely unsettled, so both readings are priced here.

Which accountBalance today₹Added each year₹PPF is capped at ₹1.5 lakh a year.Interest rate% p.a.Set by the government and revised periodically.For how longyearsYour US taxable income$Before this gain — it decides which bracket applies.Filing status

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