Name: SIP vs PPF Calculator 2026
Author: Ankit Bansal

Question 1

Is SIP better than PPF for wealth creation?

Accepted Answer

Yes. Over 15 years, an Equity Mutual Fund SIP (at benchmark 12% CAGR) typically builds 50% to 100% more wealth than PPF (7.1%), even after accounting for the 12.5% LTCG tax.

Question 2

Can I invest in both PPF and SIP together?

Accepted Answer

Yes! Many conservative investors allocate 70% to 80% of their monthly surplus into an Equity SIP for inflation-beating growth and 20% to 30% into PPF for guaranteed capital safety and risk hedging.