When Ramesh, a 32-year-old IT professional earning ₹12 lakh annually, received his year-end bonus of ₹3 lakh in March 2025, his father immediately advised: “Put ₹1.5 lakh in PPF—it’s the
When Ramesh, a 32-year-old IT professional earning ₹12 lakh annually, received his year-end bonus of ₹3 lakh in March 2025, his father immediately advised: “Put ₹1.5 lakh in PPF—it’s the