Be careful here. PPF is one of the safest, most tax friendly ways to build a long term corpus in India, with a fifteen year lock in and government backed returns, currently revised each quarter. That lock in is exactly the problem when you are running a startup: partial withdrawals are limited and only allowed after several years, so money you put in is not money you can pull if the company needs a bridge or you hit a lean stretch. A reasonable approach is to fund PPF only with money you are confident you will not touch for years, and keep your startup buffer and emergency fund in liquid, reachable places instead. Do not starve your runway to hit an 80C target. Interest rates and the tax rules on PPF can change, so confirm the current terms before you plan a large contribution around them.
3 resources, 3 India-specific, 2 link-checked.
The India-specific detail on how PPF and NPS work: lock ins, returns, and the tax treatment, so you know what you are committing to before you commit.
From ClearTax by ClearTax
Open cleartax.in →The mutual fund industry body investor corner: fund basics, NAVs, and how SIPs work, straight from the source.
From AMFI by AMFI
Open amfiindia.com →A no-nonsense, ad-light India personal-finance site: plain math and free calculators for emergency funds, goals, and asset allocation, with no product to sell you.
From Freefincal by M. Pattabiraman
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