Government Bonds vs PPF — which fixed option is better?
Both are government-backed, but PPF is tax-free at maturity while bond interest is typically taxable. Compare both on the same amount and horizon.
Government Bonds vs PPF Calculator — 15-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →Debt issued by the government, paying a fixed coupon over a set tenure, backed by sovereign credit.
Best for: The safest portion of a fixed-income allocation, especially for capital you want protected above all else.
A government-backed, long-term savings scheme with a 15-year lock-in, a capped annual contribution, and fully tax-free interest and maturity.
Best for: The fixed, tax-free core of a long-term goal like retirement, where you can commit to the lock-in.
Is PPF always better than government bonds since it's tax-free?
Often for long-term goals, yes — but PPF caps annual contributions and locks funds for 15 years, while bonds offer more flexible tenure options and no contribution cap, which matters if you have a larger amount to place.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.