Compare the decision, not just the headline number
PPF and FD differ in lock-in, liquidity, rate-setting, taxation and rules. Use the calculators to model simple numbers, then verify current scheme and bank terms before deciding.
Scenario workflow
- Start with the same amount or goal for both scenarios.
- Use realistic rate, return and time assumptions.
- Compare the monthly cash flow and the total result.
- Consider liquidity, taxes, fees and risk before deciding.
Useful checks
Monthly impactHow much cash flow changes each month.
Total cost / corpusThe cumulative result over the chosen period.
AssumptionsRate, return, tenure and contribution assumptions.
Real-world termsFees, taxes, scheme rules and lender conditions.