Which of the following has a lock in period till retirement?a. PPFb. ELSS Mutual Fundc. Long term FDsd. EPF

The answer is d. EPF (Employee Provident Fund).

Here's why:

a. PPF (Public Provident Fund) - This has a lock-in period of 15 years, which can be extended in blocks of 5 years each. It doesn't necessarily last until retirement.

b. ELSS Mutual Fund (Equity Linked Saving Scheme) - This has a lock-in period of 3 years, which is much shorter than till retirement.

c. Long term FDs (Fixed Deposits) - The lock-in period for these can vary, but it's usually up to 10 years. Again, this doesn't necessarily last until retirement.

d. EPF (Employee Provident Fund) - This is a retirement benefit scheme that's available to all salaried employees. The entire balance can be withdrawn upon retirement, or if the person remains unemployed for a period of 2 months. Therefore, this has a lock-in period till retirement.