If I were to rate this Article I will give it only 6 out of 10. It is not clear whether this is written with the Rules as applicable to the Bill to be passed or with the one that has been in practice for the assessment year 2005-06. Keep your Money in Bank FD until February and then Switch to PPF seems to be a sound advice provided there are enough Banks which give more than 8% Interest for Non Sr. Citizen that too for Term Deposits of "Less than 12 Months". Delaying the Deposit into the PPF till the last Month might just give us room to vary the amount just in case we need the same money for another expense.
