Topic
The Public Provident Fund is a 15-year government savings scheme offered through post offices and banks.
32 storiesLatest 11 Oct 2026, 19:49 IST
Investing/
ELSS vs PPF for Section 80C: how ELSS's 3-year lock-in guarantees LTCG treatment, pairing a Rs 1.5 lakh deduction with the Rs 1.25 lakh LTCG exemption and a 12.5% cap.
Investing
AMFI puts mutual fund industry AUM at Rs 87.08 lakh crore as of 31 August 2026, a sixfold decade rise. We compare an equity SIP against PPF for long-term wealth, with 2026 tax rates.
Retirement
How the NPS All Citizen Model works after the 19 December 2025 PFRDA amendment: the 80% lump-sum limit, the 60% tax exemption, and a worked drawdown against PPF, EPF and SCSS.
Investing
AMFI puts industry AUM at Rs 85.76 lakh crore on 31 July 2026, a six-fold rise in ten years. We compare equity mutual funds against PPF for long-term wealth, with verified 2026 tax and rate data.
Investing
AMFI logged Rs 31,961 crore of SIP inflow in July 2026. We weigh an equity mutual fund SIP against PPF's 7.1% for long-term wealth, covering tax, lock-in and who each suits.
Investing
SEBI's 6 October 2017 circular fixes an 80% equity floor and a 3-year lock-in for ELSS. How that compares with PPF, NSC and 5-year tax-saving deposits on the same Rs 1.5 lakh of 80C.
Retirement
NSC pays 7.7% for the Jul-Sep 2026 quarter, unchanged since April 2023. Rs 1 lakh becomes Rs 1,44,903 in five years. The accrual tax rule, the 80C reinvestment loop and a Rs 15 lakh ladder.
Retirement
NPS Vatsalya lets a guardian open a market-linked pension for any child below 18 from Rs 250 a year. We compare it with SSY and PPF, the tax rules, and a birth-to-60 drawdown.
Investing
Indian mutual fund AUM grew from Rs 15.18 trillion in July 2016 to Rs 85.76 trillion in July 2026. We compare equity mutual funds and PPF for a 10-year goal, with tax rates worked out.
Retirement
Under the Senior Citizens' Welfare Fund Act 2015, unclaimed PPF, EPF and post-office balances left inoperative for seven years are swept to the SCWF. How to keep retirement savings reachable.
Retirement
SCSS pays 8.2% for Q2 FY 2026-27 on a lump sum up to Rs 30 lakh, credited quarterly. How the Rs 30 lakh limit, TDS, and slab tax compare with PPF for retirement income.
Investing
ELSS versus PPF for your Section 80C deduction: a three-year equity lock-in taxed at 12.5% LTCG against a 15-year PPF paying 7.1% tax-free. Which fits your risk profile and regime.
Tax
Section 80C gives old-regime taxpayers up to Rs 1,50,000 in deductions across EPF, PPF, ELSS and more. Here is what counts, how Section 80CCE caps it, and a worked Rs 46,800 saving.
Investing
AMFI's June 2026 data shows Rs 84.18 lakh crore in mutual fund AAUM. We compare ELSS and PPF on lock-in, returns and tax, with verified 2026 rates, to settle which fits which investor.
Investing
AMFI data shows Rs 31,781 crore flowed into SIPs in June 2026. We compare an equity mutual fund SIP against PPF at 7.1% for a long-term goal - on return, risk, lock-in and tax.
Investing
India ran a record Rs 31,781 crore through SIPs in June 2026, but that is a gross number. Here is the post-tax math on equity SIP LTCG versus PPF, and how the Rs 1.25 lakh exemption cuts your effective tax.
Investing
AMFI reports record Rs 29,529 crore SIP inflows for October 2025. We run the post-tax math on a 15-year equity SIP versus PPF after the 12.5% LTCG rule, and who should pick which.
Retirement
SCSS pays 8.2% per annum, credited quarterly, on up to Rs 30 lakh per person. How it beats PPF as a retirement drawdown engine, the tax on its interest, and a full five-year worked example.
Investing
The 12.5% LTCG rate under Section 112A quietly shaves lakhs off a long-run equity SIP. Here is how to convert gross XIRR into an honest post-tax CAGR, and how it stacks up against tax-free PPF at 7.1%.
Retirement
PFRDA's NPS Vatsalya Scheme Guidelines 2025 fix the Rs 250 minimum, 25% partial-withdrawal cap and age-18 conversion rules. We compare it with PPF and SSY and work a corpus to age 60.
Tax
Section 80C gives old-regime taxpayers a Rs 1,50,000 deduction for FY 2025-26. Here is how to build it with PPF, ELSS, EPF, insurance and tuition fees -- plus the mistakes CPC flags.
Investing
AMFI data shows mutual fund AUM hit Rs 81.58 lakh crore on 31 May 2026, with 21.10 crore equity-oriented folios. We compare equity funds against PPF for long-term wealth, with verified tax rates.
Investing
SEBI's 26 February 2026 rationalisation keeps ELSS an equity category with a 3-year lock-in. We compare ELSS vs PPF on Section 80C deductions, 12.5% LTCG tax and investor fit.
Investing
ELSS or PPF for your Section 80C corpus? We run the 15-year post-tax IRR math: PPF's tax-free 7.1% versus ELSS at 12% with 12.5% LTCG under Section 112A.
Retirement
NPS Vatsalya, the PFRDA pension account for minors launched on 18 September 2024, compared against PPF and SSY, with a full birth-to-60 drawdown, exit rules and tax treatment.
Investing
PPF guarantees 7.1% tax-free; ELSS targets 12%+ pre-tax but loses 12.5% LTCG. We model Rs 1.5 lakh per year for 15 years to find the real winner for your 80C wallet.
Retirement
PPF maturity gives three choices: close, extend with Form H, or default to extension without contributions. We walk through the deadline, EEE tax treatment, and a 10-year drawdown on Rs 35 lakh.
Investing
ELSS at 12% pre-tax leaves about Rs 51 lakh after 12.5% LTCG; PPF at 7.1% finishes tax-free at Rs 40.4 lakh on Rs 1.5 lakh annual contributions over 15 years.
Investing
SSY pays 8.2% vs PPF at 7.1% for the current quarter, both EEE under Section 80C. The lock-in, withdrawal and eligibility differences decide which earns more after tax for your daughter.
Investing
Side-by-side comparison of PPF (7.1%), ELSS (~14% CAGR) and NPS for FY 2025-26 — old vs new regime deductions, 20-year post-tax corpus, and which investor profile each product actually serves.
RBI
The government maintains small savings rates for April-June 2026, keeping PPF at 7.1% and Senior Citizens Savings Scheme at 8.2%. Here is how they compare with alternatives.
Tax
With Rs 1.5 lakh available under Section 80C and an additional Rs 50,000 under 80CCD(1B), investors face a three-way choice between ELSS, PPF, and NPS. This comparison breaks down returns, lock-in periods, and tax treatment for FY 2026-27.
