SIP vs PPF: Which investment yields more in 15 years with Rs 5,000 monthly?

• SIP and PPF are popular long-term investment options in India, each with distinct returns and risks.
• PPF offers government-backed security, a 15-year lock-in, 7.1% annual interest, and tax-free returns.
• A monthly Rs 5,000 in PPF for 15 years yields approximately Rs 15.78 lakh (Rs 9 lakh investment + Rs 6.78 lakh interest).
• SIPs in mutual funds are market-linked, with historical average returns of 10-12% annually.
• A monthly Rs 5,000 in SIP for 15 years at 12% could generate around Rs 23.8 lakh (Rs 9 lakh investment + Rs 14.8 lakh profit), though subject to capital gains tax.