SIP vs PPF Calculator 2026 — Mutual Fund SIP vs Public Provident Fund
Compare returns, tax advantages (EEE vs LTCG), and long-term compounding between Mutual Fund SIP and PPF
Equity SIP Outperforms PPF by +₹17.47 L
Over 15 years with ₹1.50 L/yr (₹12,500/mo), an Equity SIP generates an estimated ₹58.16 L post-tax vs ₹40.68 L in tax-free PPF.
Investment Inputs
₹58.16 L
₹40.68 L
15-Year Wealth Accumulation: Equity SIP vs PPF
Authoritative Regulatory References
SIP vs PPF FAQs
Clear facts on sovereign post office accounts versus mutual funds.
Can a creditor attach my PPF account in case of personal bankruptcy or business debt?
No. Under Section 15 of the Government Savings Promotion Act, a PPF account balance cannot be attached by any court of law under any decree or liability, making it a bulletproof sovereign asset.
Can I invest in both PPF and an equity SIP at the same time?
Yes. A balanced asset allocation strategy involves using PPF for your risk-free debt foundation (up to ₹1.5L/year) while investing your remaining monthly surplus into equity SIPs for capital appreciation.
SIP vs PPF after tax, with your numbers
PPF is EEE — the contribution, the interest and the maturity are all exempt, so nothing is deducted at the end. Equity pays 12.5% LTCG on redemption above the ₹1.25 lakh annual exemption. PPF carries sovereign guarantee and a 15-year lock-in; equity carries market risk and stays liquid.
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