| Lock-in period | 3 years | 5 years | 5 years | 5 years | 15 years | Till termination of employment | 
      
      
        | Taxation aspect | Capital gains are taxable post 1 Lakh
 | Interest is taxable as per your IT slab | Maturity/claims proceed are tax-free | Interest is taxable as per your tax-slab | Interest is tax-free | Interest is tax-free^^ |