SIP vs PPF · Which Wins Long-Term?

SIP vs PPF Calculator —
Equity Returns vs Guaranteed Safety

PPF: 7.1% guaranteed, tax-free (EEE). SIP in equity: 12%+ potential, market-linked. Same ₹1.5L/year: PPF gives ₹40L in 15 years. SIP at 12% gives ₹63L. The gap widens over time.

PPF: 7.1% guaranteed, tax-free (EEE). SIP in equity: 12%+ potential, market-linked. Same ₹1.5L/year: PPF gives ₹40L in 15 years. SIP at 12% gives ₹63L. The gap widens over time.
Enter Details
Amount
₹150,000
₹1K₹1Cr
Rate
12%
1%36%
Period (years)
15 yrs
1 yr40 yrs
Result
₹0
calculated value
Invested
₹0
Returns
₹0
Return %
0%
Rate
0%

Frequently Asked Questions

SIP vs PPF — which is better for long term?+
PPF wins for: risk-averse investors, guaranteed returns needed, short 5-7 year horizon, conservative retirement. SIP wins for: long 10+ year horizon, higher risk tolerance, wealth creation goal. For most investors: max PPF first (80C + safety), then SIP with remaining investable surplus.
Is PPF return taxable?+
PPF is EEE — Exempt at contribution (80C), Exempt on interest, Exempt at maturity. Fully tax-free throughout. Mutual fund LTCG is taxed at 12.5% above ₹1.25L — so PPF has a tax advantage, but equity's higher returns still win over 10+ years in most scenarios.