SIP vs PPF for Rs 95,000/year investment: Which can create higher corpus in 15 years?

SIP vs PPF: When it comes to investing, plenty of options are available in the market. While many investors opt for market-linked options such as mutual fund SIPs, others prefer risk-free schemes like the Public Provident Fund (PPF). Can you guess which can create a higher corpus in 15 years with a Rs 95,000 annual investment? Let's find out-

Priya Vishwakarma | Mar 20, 2025, 04:27 PM IST

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SIP vs PPF: When it comes to investing, plenty of options are available in the market. While many investors opt for market-linked options such as mutual fund SIPs, others prefer risk-free schemes like the Public Provident Fund (PPF).

(Disclaimer: Our calculations are projections and not investment advice. Do your due diligence or consult an expert for financial planning)

1/10

What is an SIP? Key Features

- Market-linked investment option
- Can invest money based on financial capacity
- Offers average long-term return of 12 per cent
- People can invest invest monthly, quarterly, or yearly
- High Risk
- No lock-in period, investor gets to choose

2/10

What is a PPF? Key Features

- Government savings scheme
- Can invest a maximum of Rs 1.5 lakh per year
- Offers an interest rate of 7.1 per cent
- Maturity and lock-in period is 15 years
- Low risk

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SIP vs PPF: How Much Corpus You Can Generate in 15 Years?

Can you guess how much corpus you can generate in both - SIP and PPF - in 15 years with a Rs 95,000 annual investment? Let's find out:

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SIP Investment Calculation: How Much Money Will You Invest in 15 Years?

If you invest Rs 95,000 yearly in SIP (Rs 7,916 per month), your total investment will amount to Rs 14,24,880 in 15 years.

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SIP Investment Calculation: How Much Corpus Will You Generate in 15 Years with Rs 95,000 Annually?

Assuming an average annual return of 12 per cent, the total corpus generated at the end of 15 years would be approximately Rs 39,94,224, including Rs 25,69,344 as capital gains.

Also Read: Retirement Planning via Rs 10,000 monthly SIP: Can you guess in how many years you can build Rs 1 crore, Rs 2 crore, Rs 3 crore corpus?

6/10

SIP Returns (with 12% annual interest rate):

Monthly investment: Rs 7,916
Total investment (15 years): Rs 14,24,880
Estimated returns: Rs 25,69,344
Total value: Rs 39,94,224

7/10

PPF Investment Calculation: How Much Money Will You Invest in 15 Years?

If you invest Rs 95,000 per year in a PPF, your total investment over 15 years will also amount to Rs 14,25,000.

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PPF Investment Calculation: How Much Interest Earned in 15 Years with Rs 95,000 Annually?

However, with an annualised return of 7.1 per cent, the interest earned would be Rs 11,51,533.

Also Read: 15x15x15 Formula of SIP: Can you guess in how many years you can build Rs 1,00,00,000 corpus with Rs 15,000 monthly investment?

9/10

PPF Investment Calculation: How Much Will Your Corpus Grow in 15 Years with Rs 95,000 Annually?

With this, the final corpus would be around Rs 25,76,533 (principal + interest).

10/10

PPF Returns (with 7.1% annual interest rate):

Annual Investment: Rs 95,000
Total Investment (15 years): Rs 14,25,000
Estimated Returns: Rs 11,51,533
Total Corpus: Rs 25,76,533

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