SIP vs PPF in India

SIP and PPF serve different purposes. A SIP is a method of investing regularly, commonly into mutual funds, while PPF is a government-backed small-savings scheme with notified rules and rates.

Risk and return

Equity mutual fund SIP returns are market-linked and can fluctuate. PPF interest is governed by applicable government rules and should not be treated as an equity-market return assumption.

Liquidity and time horizon

PPF has a long-term structure and specific withdrawal and extension rules. SIP liquidity depends on the underlying mutual fund and applicable conditions.

How to plan

Use the PPF Calculator for an educational PPF estimate and the SIP calculator on the Smart Money homepage for market-return scenarios. Compare risk, time horizon and contributions rather than relying on one projected number.

Important: Rates and rules can change. Verify current PPF rules and mutual-fund information with official or regulated sources.