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Mutual Fund vs PPF: Which One Should You Choose?

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When it comes to investing funds in India, two of the most popular options are Mutual Funds and the Public Provident Fund (PPF). Both are widely used by individuals with different financial goals. While some investors prefer the safety of assured gains, others look for higher returns even if it means taking some risks. PPF and Mutual Funds offer benefits like tax savings, long-term wealth creation, and flexible investment options. However, they differ in key aspects, such as risk, returns, and duration. This article explains what PPF and Mutual Funds are, their differences, and which might suit your needs better.

What is a Mutual Fund?

A Mutual fund is a type of investment managed by professional fund managers at Asset Management Companies (AMCs). These funds collect capital from many investors and invest it in a variety of financial assets such as shares, bonds, and government securities. Mutual funds are available in different types, like equity funds, debt funds, and hybrid funds. Each type comes with its level of risk versus return potential, allowing investors to choose a fund that matches their financial goals and risk appetite.

Since mutual funds are market-linked investments, they do not guarantee returns. However, with regular investments over a long period, especially through a Systematic Investment Plan (SIP), they have the potential to deliver appropriate returns. SIPs also make investing more disciplined and manageable. You can use a mutual fund SIP calculator to estimate how much your funds might grow over time based on your monthly investment and the expected rate of return.

What is PPF?

The Public Provident Fund (PPF) is a government-backed long-term savings scheme designed to encourage small savings while offering assured returns. It provides a fixed rate of interest, which is reviewed periodically by the central government. The interest earned on the investment is compounded annually and is tax-free, making PPF a popular choice among conservative investors seeking a safe and steady return.

A PPF account comes with a mandatory lock-in period, making it ideal for long-term financial goals like retirement planning. Contributions made to a PPF account are also eligible for tax deductions under the Income Tax Act. For better planning, you can use a Public Provident Fund calculator to estimate the future value of your investment based on your annual contributions and the prevailing interest rate.

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Key Differences Between Mutual Fund and PPF

Here are the key differences between mutual funds and a PPF:

1. Risk: PPF is a low-risk investment since it is backed by the government and offers fixed returns. Mutual funds, on the other hand, involve market risk. Their value depends on how the stock and bond markets perform.

2. Returns: PPF currently offers around 7–8% annual interest, which is reviewed quarterly by the government. Mutual Funds can offer higher returns—equity funds may give 10–15% annually—but these returns are not fixed and may vary depending on market performance.

3. Investment Duration: PPF has a lock-in period of 15 years, making it suitable for long-term goals. You can extend it in blocks of 5 years after maturity. Mutual funds offer more flexibility. You can invest for a few months or several years, depending on your goals.

4. Liquidity: PPF is less liquid due to its long lock-in. Partial withdrawals are allowed only after a certain year. Mutual funds offer high liquidity, as most types can be redeemed anytime, though tax and exit loads may apply.

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5. Tax Benefits: Both PPF and tax-saving mutual funds (ELSS) qualify for deductions under Section 80C. However, while PPF interest and maturity amount are tax-free, ELSS gains above ₹1 lakh annually are taxed at 10%.

6. Diversification: PPF invests mainly in fixed-income instruments. Mutual funds offer greater portfolio diversification across various sectors and asset classes, which can reduce overall investment risk.

What Should You Choose?

Choosing between PPF and mutual funds depends on your financial goals and risk appetite. If you are a conservative investor looking for assured returns and long-term savings with tax benefits, PPF may be a great choice. It offers stability, safety, and tax-free returns. However, if you are willing to take some risk in exchange for the possibility of higher returns, mutual funds, especially equity funds, can be more rewarding over time. They also give you the flexibility to invest for short or long durations. Many investors choose a combination of both to balance risk and reward in their investment portfolio.

Conclusion

PPF and mutual funds are both useful investment options with different advantages. While PPF provides a safe and secure way to build a retirement corpus, mutual funds offer the opportunity for higher returns with market-linked growth. The choice depends on your risk profile, time horizon, and financial goals. Beginners and risk-averse investors may prefer PPF, while those with a higher risk tolerance and long-term goals can consider mutual funds. Ideally, diversifying across both options can help you build a balanced and well-performing investment portfolio for the future. 
 

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Netflix India names Rekha Rane director of films and series marketing

Streaming giant bets on a seasoned marketer who helped build Amazon and Netflix into household names

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MUMBAI: Netflix has put a proven brand builder at the helm of its films and series marketing in India, naming Rekha Rane as director in a move that signals sharper focus on audience growth and cultural cut-through in one of its most hotly contested markets.

Rane steps into the role after seven years at Netflix, where she has quietly shaped how the platform sells stories to India. Her latest promotion, effective February 2026, crowns a run that spans brand, slate and product marketing across originals, licensed content and new verticals such as games.

A strategic marketing and communications professional with roughly 15 years’ experience, Rane has spent much of her career building technology-led consumer businesses and new categories, notably e-commerce and subscription video on demand. She was part of the early push that introduced Amazon.in, Prime Video and Netflix to Indian homes, then helped turn them into everyday brands.

At Netflix, she most recently served as head of brand and slate marketing for India from March 2024 to February 2026, leading teams across media and marketing for global and local content portfolios. Before that, as manager for original films and series marketing, she led IP creation and go-to-market strategy for titles including Guns and Gulaabs, Kaala Paani, The Railway Men* and The Great Indian Kapil Show, spanning both binge and weekly-release formats.

Her earlier Netflix roles covered product discovery and promotion in India and integrated campaign strategy to drive conversations around the content slate, product awareness and brand-equity metrics.

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Before Netflix, Rane logged more than three years at Amazon in brand marketing roles in Bengaluru. There she handled national and regional campaigns for Amazon.in, worked on customer assistance programmes in growth geographies and contributed to the go-to-market strategy for the launch of Prime Video India.

Her career began well away from streaming. At Reliance Brands in Mumbai, she worked on retail marketing for Diesel and Superdry. A stint at Leo Burnett saw her work on primary research for P&G Tide, mapping Indian shoppers’ paths to purchase. Earlier still, at Orange in the United Kingdom, she rose from sales assistant to store manager, running a team and owning monthly P&L for a retail outlet.

The arc is telling. As global streamers fight for attention in a crowded Indian market, executives who understand both mass retail behaviour and digital habit-building are prized. Rane’s career sits at that intersection.

For Netflix, the bet is simple: in a market spoilt for choice, sharp marketing can still tilt the screen. And with Rane now leading the charge, the streamer is signalling it wants not just viewers, but fandom.

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Orient Beverages pops the fizz with steady Q3 gains and rising profits

Kolkata-based beverage maker reports stronger revenues and profits for December quarter.

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MUMBAI: A fizzy quarter with a steady aftertaste that’s how Orient Beverages Limited, the company that manufactures and distributes packaged drinking water under the brand name Bisleri closed the December 2025 period, as the Kolkata-based drinks maker reported improved revenues and a healthy rise in profits, signalling operational stability in a competitive beverage market.

For the quarter ended December 31, 2025, Orient Beverages posted standalone revenue from operations of Rs 39.98 crore, up from Rs 36.42 crore in the previous quarter and Rs 33.53 crore in the same quarter last year. Total income for the quarter stood at Rs 42.24 crore, reflecting consistent demand and stable pricing across its beverage portfolio.

Profit before tax for the quarter came in at Rs 3.47 crore, a sharp improvement from Rs 1.31 crore in the September quarter and Rs 0.39 crore a year ago. After accounting for tax expenses of Rs 0.79 crore, the company reported a net profit of Rs 2.68 crore, nearly three times the Rs 0.99 crore recorded in the preceding quarter.

On a nine-month basis, the momentum remained intact. Revenue from operations for the period ended December 31, 2025 rose to Rs 117.66 crore, compared with Rs 106.95 crore in the corresponding period last year. Net profit for the nine months climbed to Rs 5.51 crore, more than double the Rs 2.18 crore reported in the same period of the previous financial year.

The consolidated numbers told a similar story. For the December quarter, consolidated revenue from operations stood at Rs 45.06 crore, while profit after tax came in at Rs 2.06 crore. For the nine-month period, consolidated revenue touched Rs 133.57 crore, with net profit of Rs 4.49 crore, underscoring the group’s improving profitability trajectory.

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Operating expenses remained largely controlled, with cost of materials, employee benefits and other expenses broadly aligned with revenue growth. The company continued to operate within a single reportable segment beverages simplifying its cost structure and reporting framework.

The unaudited financial results were reviewed by the Audit Committee and approved by the Board of Directors at its meeting held on 7 February 2026. Statutory auditors carried out a limited review and reported no material misstatements in the results.

In a market where margins are often squeezed by input costs and competition, Orient Beverages’ latest numbers suggest the company has found a reliable rhythm not explosive, but steady enough to keep the fizz alive.

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Washington Post CEO exits abruptly after newsroom cuts spark backlash

Leadership change follows layoffs, protests and a bruising battle over trust.

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MUMBAI: When the presses are rolling but patience runs out, even the editor’s chair isn’t safe. The Washington Post announced on Saturday that its chief executive and publisher Will Lewis is stepping down with immediate effect, bringing a sudden end to a turbulent two-year tenure marked by financial strain, newsroom unrest and public backlash.

Lewis’s exit comes just days after the Bezos-owned newspaper announced sweeping job cuts that triggered protests outside its Washington headquarters and a wave of anger from readers and staff. While newspapers across the US are grappling with shrinking revenues and digital disruption, Lewis’s leadership had increasingly come under fire for how those pressures were handled.

The Post confirmed that Jeff D’Onofrio, a former Tumblr CEO who joined the organisation last year as chief financial officer, has taken over as CEO and publisher, effective immediately. In an email to staff, later shared by reporters on social media, Lewis said it was “the right time for me to step aside.”

The leadership change follows the announcement of large-scale redundancies earlier this week. While the Post did not officially confirm numbers, The New York Times reported that around 300 of the paper’s roughly 800 journalists were laid off. Entire teams were dismantled, including the Post’s Middle East bureau and its Kyiv-based correspondent covering the war in Ukraine.

Sports, graphics and local reporting were sharply reduced, and the paper’s daily podcast, Post Reports, was suspended. On Thursday, hundreds of journalists and supporters gathered outside the Post’s downtown office in protest, calling the cuts a blow to public-interest journalism.

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Former executive editor Marty Baron described the moment as “among the darkest days in the history of one of the world’s greatest news organisations.”

Lewis defended his record in his farewell note, saying “difficult decisions” were taken to secure the paper’s long-term future and protect its ability to publish “high-quality nonpartisan news”. But his tenure coincided with growing scrutiny of editorial independence at the Post.

Owner Jeff Bezos faced criticism for reining in the paper’s traditionally liberal editorial page and blocking an endorsement of Democratic presidential candidate Kamala Harris ahead of the 2024 US election. The move was widely seen as breaking the long-standing firewall between ownership and editorial decision-making.

According to a Wall Street Journal report, around 250,000 digital subscribers cancelled their subscriptions after the paper declined to endorse Harris. The Post reportedly lost about $100 million in 2024 as advertising and subscription revenues slid.

While the wider newspaper industry continues to battle declining print advertising and the pull of social media, some national titles have stabilised. Rivals such as The Wall Street Journal and The New York Times have managed to build sustainable digital businesses, a turnaround that has so far eluded the Post despite its billionaire backing.

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As Jeff D’Onofrio steps into the role, the challenge is stark, restore confidence inside the newsroom, win back readers who walked away, and prove that one of America’s most storied newspapers can still find its footing in a brutally competitive media landscape.

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