Investor Corner/Money matters beyond investing

4.2 Core Indian Savings Instruments

PPF, NPS, EPF and the other government-backed instruments that form the safe, foundational layer of most long-term Indian portfolios. PPF, NPS, EPF and similar instruments are backed by the government and built for a specific purpose, retirement, a child’s future, tax saving, rather than general-purpose growth. Knowing what each one actually promises, and its lock-in, is what lets it sit correctly alongside your market-linked investments rather than in competition with them.