PPF vs Fixed Deposit
Compare PPF tax-free returns and lock-in against taxable bank FD rates.
| Factor | PPF (illustrative) | Bank FD |
|---|---|---|
| Tax on returns | Exempt (EEE) | Taxable as per slab |
| Lock-in | 15 years (partial withdrawal after 7) | Flexible tenure |
| Typical rate | ~7.1% (govt set) | 6–7.5% bank |
Verdict: PPF wins on post-tax returns for long-term savers in higher tax brackets. FD wins on flexibility and liquidity.
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