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| Feature | PPF | FD |
|---|---|---|
| Returns | 7.1% (current) | 6.5-7.5% |
| Tax on Interest | Completely tax-free | Taxable as per slab |
| Section 80C | Yes (₹1.5L) | Only 5-year tax saver FD |
| Lock-in | 15 years | Flexible |
| Loan Facility | Yes (from 3rd year) | Yes |
| Safety | Government backed | Bank backed (₹5L DICGC) |
Verdict: PPF wins for long-term tax-free savings. FD wins for short-term liquidity needs.
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Disclaimer: This website provides general educational information only and does not provide personalized investment advice or recommendations. Financial decisions should be made after considering individual circumstances and consulting a qualified professional where appropriate. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Past performance does not guarantee future results.