SIP vs PPF: Which Investment Reigns Supreme for 15-Year Returns?

• SIP and PPF are popular long-term investment options in India, both aiming to build wealth over time.
• PPF offers guaranteed, tax-free returns with a 7.1% annual interest rate, yielding approximately ₹15.78 lakh on a ₹5,000 monthly investment over 15 years.
• SIP in mutual funds is market-linked, with potential for higher returns (10-12% average); a ₹5,000 monthly SIP could generate around ₹23.8 lakh in 15 years at 12% return.
• PPF is ideal for risk-averse investors seeking stable, tax-free returns, while SIP suits those comfortable with market fluctuations for potentially higher gains.
• The choice between SIP and PPF depends on individual financial goals, risk tolerance, and investment horizon.