You can take a personal loan against your PPF account balance with the following terms and conditions: the loan must be repaid in 36 months in either a lump sum or via monthly installments there is no collateral needed the rate of the loan is 1% only but inability to pay off the loan bumps up the interest rate to 6% the PPF account age must be between third and sixth financial year the maximum loan amount is capped at 25% of the balance in the account at the end of the second financial year while the loan is active, the balance in the PPF account does not get any interest