PPF at 7.1%, FDs 6.25–6.66%, SIPs 10–15%: the first-timer's starter kit
Mint breaks down the three default entry points for new Indian investors: PPF's EEE status and 15-year lock-in, bank FDs at 6.25–6.66%, and equity SIPs targeting 10–15%. Experts push a diversified mix, flagging ₹1.5L 80C limits and a ₹23,188 cost from missed deadlines.
Comparison of PPF, FDs, and SIPs for first-time Indian investors covering returns, lock-in periods, and taxation. PPF offers 7.1% with EEE tax status, FDs 6.25-6.66%, SIPs 10-15%; experts advise diversified mix.