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NPS vs PPF vs ELSS 2026 — A Banker’s Honest Comparison for Retirement
Investing & Retirement Sep 7, 2026 6 min read

NPS vs PPF vs ELSS 2026 — A Banker’s Honest Comparison for Retirement

PPF, ELSS and NPS are the three long-term savings options most salaried people compare at tax time. None of them is best for everyone. The…

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Key RBI Rates
Repo Rate5.50%
SDF Rate5.25%
MSF Rate5.75%

As of 7 October 2026 · Source: RBI

Quick EMI Calculator
₹50 Lakh
8.5%
Monthly EMI (20yr)
₹43,391
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Archana

14 years in Indian banking. Former loan officer. Now decoding RBI rules for every Indian saver.

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Mudra Loan 2026: Shishu, Kishor, Tarun and Tarun Plus ExplainedCash Credit vs Overdraft: Differences, Interest, Drawing Power and Which to ChoosePMEGP Loan 2026: Subsidy up to 35%, Eligibility, Project Report and How to ApplyGujarat MSME Scheme 2026: 7% Interest Subsidy, Capital Subsidy and How to ClaimRBI Rule from 16 October 2026: Daily CRR at 99% Explained — Will Your EMI Rise?

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