INVEST IN Tax saving FD and PPF

Dear All, Please help me in this point:
I have though of two options for this year's tax saving for 50k:
1) HDFC 5 years tax saving FD (9.5% pa return)
2) PPF
After 5 years what will be the effective return in both cases considering TDS for the FD for tax paying bracket of 30%?

Advice :
If you are in 30% tax braket
PPF - 8.5% - term -15 years - Rs.1,78,132
HDFC fixed tax -term 5 Years-9.5%- Rs.80,250
Even if u calculate for 5 years in PPF also it will be less as the interest is less but PPF in long term is the best option