PPF vs Property — guaranteed government return or real estate?
PPF is fully guaranteed, tax-free and needs no active management. Property can outpace it through both rental income and appreciation, but demands real capital, a loan, and ongoing effort. Compare both on the same amount you'd actually commit.
PPF Calculator vs Rental Property — 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 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 residential property purchased (often with a home loan) to generate rental income alongside potential appreciation.
Best for: Investors who want income plus appreciation and are prepared to actively manage a physical asset (or pay someone to).
Is property a safer bet than PPF since it's a real asset?
Not necessarily — property values can stagnate or fall in a given market and city, and it's far less liquid than PPF. "Real" doesn't mean "guaranteed"; PPF is the one with an actual government-backed guarantee.
Can I do both PPF and property?
Yes — most people use PPF for a guaranteed, tax-free core allocation and treat property as a separate, larger long-term bet, rather than substituting one for the other.
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.