SIP vs PPF — equity risk vs a fixed, tax-free return
PPF is government-backed, tax-free, and fully fixed — but locked in for 15 years and capped at a modest annual contribution. A SIP has no lock-in or cap, but its return isn't guaranteed. See the actual projected gap over your own contribution amount and horizon.
SIP 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 fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.
Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.
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 do both SIP and PPF?
Yes — most people use PPF for the fixed, tax-free core of a long-term goal and a SIP for the growth-seeking portion. They serve different jobs in a plan rather than competing for the same money.
Is PPF only available in India?
Yes, PPF is an Indian government scheme — this comparison is most relevant if you're investing in Indian Rupees.
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.