Explore / Your own money / FDs, PPF and debt funds

FDs, PPF and debt funds · checked 11 November 2026

Keep money you may need within a year in a sweep account, a liquid fund or a short FD; PPF and NPS suit long-term money you will not touch.

Bank deposits are insured by the DICGC up to five lakh rupees per depositor per bank, so spread a large buffer. FD interest is taxed at your slab every year, while a debt fund is taxed only when you redeem. PPF locks money for fifteen years, and an employer paying into your NPS is deductible up to 14% of basic pay plus dearness allowance in the new regime.

Every question on it 11 answers

  1. Are PPF and NPS worth it for a founder? Wealth
  2. Where should I keep cash I might need in a year? Wealth
  3. Are fixed deposits still worth it for a founder? Wealth
  4. What is a liquid fund, and is it a good place for money I might need next month? Wealth
  5. What happens to my savings if my bank fails? Wealth
  6. Is a sweep-in FD a smart way to hold idle cash? Wealth
  7. What is a debt fund, and when should I use one? Wealth
  8. How is the interest on my FDs and debt funds taxed in India? Wealth
  9. Should I lock money in PPF when I might need it for the startup? Wealth
  10. Should I put my 80C tax-saving money in ELSS or PPF? Wealth
  11. Should my company put part of my salary into NPS? Wealth

Tools that do it for you

The readingMost used across these answers

eChai Partner Brands The partnership →