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Compare Systematic Investment Plans (Mutual Funds) against Public Provident Fund (PPF) returns, tax benefits, and liquidity side-by-side.
Side-by-side analytical breakdown
| Comparison Metric | SIP Calculator | PPF Calculator | Advantage |
|---|---|---|---|
| Expected Annual Return | 12% – 15% (Historical Equity) | 7.1% (Guaranteed Sovereign) | SIP Calculator |
| Risk Profile | Market Linked (Moderate/High) | Zero Risk (Govt Backed) | PPF Calculator |
| Lock-in Period | None (Liquid / 3yr ELSS) | 15 Years Lock-in | SIP Calculator |
| Taxation Status | LTCG 12.5% above ₹1.25L | EEE (Exempt-Exempt-Exempt) | PPF Calculator |
| Inflation Protection | High Real Return (5%–8% net) | Low Real Return (0.5%–1% net) | SIP Calculator |
Deterministic Mathematical Simulation Engine • Verified Calculations
Calculate wealth accumulation and expected returns for monthly Systematic Investment Plans (SIP) in mutual funds.
| Parameter | Value | Unit |
|---|---|---|
| Monthly SIP Amount (₹/$) | 5000 | ₹ |
| Expected Return Rate (% p.a.) | 12 | % |
| Time Horizon (Years) | 10 | yrs |
| Metric | Calculated Output |
|---|---|
| Expected Maturity Amount | 1,161,695 |
| Total Amount Invested | 600,000 |
| Estimated Wealth Gain | 561,695 |
Deterministic Mathematical Simulation Engine • Verified Calculations
Calculate 15-year PPF maturity wealth, annual interest accumulation, and tax-free returns under EEE status.
| Parameter | Value | Unit |
|---|---|---|
| Yearly Investment (₹) | 150000 | ₹ |
| PPF Interest Rate (% p.a.) | 7.1 | % |
| Tenure (Years) | 15 | yrs |
| Metric | Calculated Output |
|---|---|
| Maturity Balance (Tax-Free) | 4,068,209 |
| Total Principal Deposited | 2,250,000 |
| Total Tax-Free Interest | 1,818,209 |
SIP (Systematic Investment Plan) is a method of investing fixed amounts periodically into equity or debt mutual funds. PPF (Public Provident Fund) is a government-backed fixed income savings scheme with guaranteed interest and a 15-year tenure. While SIP offers inflation-beating equity growth, PPF provides capital safety and EEE tax exemption.
Historically, equity SIPs have delivered 12% to 15% CAGR over 10+ year horizons, outperforming inflation. PPF offers a guaranteed 7.1% per annum. For long-term wealth creation, equity SIPs yield significantly larger corpus sizes, though PPF is ideal for risk-averse debt allocation.
Yes! Combining SIP and PPF creates a balanced portfolio. PPF secures your debt allocation with tax savings, while equity SIP drives long-term capital growth.
Yes. SIPs invest in market-linked mutual funds, meaning returns fluctuate. PPF is backed by the Government of India and offers guaranteed capital safety.