text: Chalo, ek baar PPF account kholne par bhi sochte hain, kyunki yeh tax-saving option hai aur achhe returns bhi milte hain, retirement ke liye best hai!Bilkul, par yeh toh long-term commitment hai, isliye humein yeh achhe se plan karna hoga, taaki funds lock hone se pehle humari zarurat na ho!