Lumpsum vs PPF — market growth or a fixed government rate?
A lumpsum into equity funds carries real market risk for higher growth potential; PPF is fully fixed and tax-free but capped and locked in. Compare both on the same amount.
Lumpsum Calculator 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 →A one-time amount invested into equity mutual funds all at once, rather than spread out over time.
Best for: A windfall (bonus, inheritance, asset sale) when you don't have another pressing use for it and can leave it invested long-term.
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.
Can I invest a full lumpsum into PPF in one year?
No — PPF caps annual contributions at a fixed limit (currently ₹1.5 lakh), so a larger lumpsum can't go in all at once; you'd need to split it across years or invest the remainder elsewhere.
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.