@zealotx I'm dumbo and still didn't get it. Could you please elaborate?
Is the point that, even if the initial investment doesn't get the tax benefit (since we already exhaust 80C with EPF), the returns are tax exempt, hence making it a better debt instrument?
@zealotx Why treat the 1.5L tax limit as a hard upper limit. In my opinion, the PPF is worth investing even if you have already completed your 1.5 LPA 80C limit.
@zealotx Investing in PPF is not just about fulfilling 80C limits. I'm in New Regime and don't even have 80C deductions but still invest 1.5L in PPF as part of my broader portfolio allocation.