PPF vs SIP: Which yields higher returns over a 15-year period with ₹10,000 monthly?
If you invest ₹10,000 every month for 15 years in a PPF at a steady 7.1% interest rate, your total will reach approximately ₹32.5 lakh. Since PPF earnings are exempt from taxes, you get to keep the full amount. Alternatively, putting the same monthly sum into an equity SIP with a 10% annual return would result in ₹41.8 lakh. Once you account for taxes, however, your final take-home amount would be about ₹38.9 lakh.
by shortkt.com✓