Your provident fund contribution won’t be liable to income tax if you have contributed for more than five years. You can claim tax benefit on personal loan taken for home purchase. Putting money in a linked account for home loan repayment is equivalent to prepayment

Tax benefit for contribution to Tier-II available under Section 80C only for government employees. All profits earned on intraday trading and delivery-based transactions taxable. No bar on giving interest-free loan to spouse