Calculate PPF maturity with year-wise balance. PPF is EEE — fully tax-free.
80C deduction on contribution · Interest tax-free · Maturity tax-free
PPF interest rate is set quarterly by the Government of India and may change.
PPF has a mandatory 15-year lock-in. Partial withdrawal allowed from 7th year (up to 50% of 4th year balance). Full withdrawal only at maturity.
ELSS: 3-year lock-in, 12–15% potential, market risk. PPF: 15-year, 7.1%, EEE, zero risk. ELSS for wealth creation, PPF for risk-free retirement corpus.