PPF vs NPS — which retirement vehicle wins?
PPF is fully guaranteed and tax-free at maturity. NPS lets you take on equity exposure for potentially higher growth, with different withdrawal and annuity rules at retirement. See both projected side by side.
PPF Calculator vs Sukanya Samriddhi — 20-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →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 guaranteed, tax-free core of a long-term goal like retirement, where you can commit to the lock-in.
A government scheme specifically for a girl child, with a higher interest rate than PPF, contributions required for 15 years, and maturity at 21 years from account opening.
Best for: A guaranteed, tax-free fund built specifically for a daughter's education or marriage goal.
Why is Sukanya Samriddhi shown instead of NPS above?
NPS isn't yet part of the shared multi-asset comparison engine (its age-based equity glide path works differently from a fixed-rate accumulation), so this page currently compares PPF against Sukanya Samriddhi as the two guaranteed government-backed options. Use the standalone NPS Calculator to model NPS on its own terms.
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.