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sip vs ppf rs 65000 annual investment 15 years comparison
March 25, 2025
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sip vs ppf rs 65000 annual investment 15 years comparison


SIP vs PPF: When it comes to investing for long-term goals, some prefer risk-free schemes like the Public Provident Fund (PPF), while some take on risks and invest their money in a Systematic Investment Plan (SIP). Both differ in nature but help to generate a substantial corpus for post-retirement life. Let’s learn more about them and compare their return for an investment of Rs 65,000 per year over 15 years.

SIP PPF
Market-linked investment option Government-backed savings scheme
Can invest money based on financial capacity Can invest maximum Rs 1.5 lakh per year
Offers average long-term return of 12% Offers an interest rate of 7.1%
No lock-in period, investor gets to choose Maturity and lock in period is 15 years
High Risk Low risk

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

Suppose you are investing Rs 65,000 annually in both – SIP and PPF. Now, can you guess how much corpus you can generate in 15 years? Let’s calculate.

SIP Investment Calculation: How Much Corpus Will You Generate in 15 Years with Rs 65,000 Annual Investment?

If you invest Rs 65,000 yearly in SIP (Rs 5,416 per month), your total investment will amount to Rs 9,74,880 in 15 years. Assuming an average annual return of 12 per cent, the total corpus generated at the end of 15 years would be approximately Rs 27,32,784, including Rs 17,57,904 as capital gains.

SIP Returns (with 12% annual interest rate):

  • Monthly investment: Rs 5,416
  • Total investment (15 years): Rs 9,74,880
  • Estimated returns: Rs 17,57,904
  • Total value: Rs 27,32,784

PPF Investment Calculation: How Much Will Your Corpus Grow in 15 Years with Rs 65,000 Annual Investment?

If you invest Rs 65,000 per year in a PPF, your total investment over 15 years will also amount to Rs 9,75,000. However, with an annualised return of 7.1 per cent, the interest earned would be Rs 7,87,891. With this, the final corpus would be around Rs 17,62,891 (principal + interest).

PPF Returns (with 7.1% annual interest rate):

  • Annual Investment: Rs 65,000
  • Total Investment (15 years): Rs 9,75,000
  • Estimated Returns: Rs 7,87,891
  • Total Corpus: Rs 17,62,891

 

SIP Investment Summary –

Year SIP Amt /
Month		 Total Invested
Amt		 Interest Amt /
Year		 Maturity
Value
Year1 5,416 64,992 4,383 69,375
Year2 5,416 1,29,984 17,565 1,47,549
Year3 5,416 1,94,976 40,661 2,35,637
Year4 5,416 2,59,968 74,929 3,34,897
Year5 5,416 3,24,960 1,21,786 4,46,746
Year6 5,416 3,89,952 1,82,828 5,72,780
Year7 5,416 4,54,944 2,59,854 7,14,798
Year8 5,416 5,19,936 3,54,892 8,74,828
Year9 5,416 5,84,928 4,70,225 10,55,153
Year10 5,416 6,49,920 6,08,428 12,58,348
Year11 5,416 7,14,912 7,72,402 14,87,314
Year12 5,416 7,79,904 9,65,414 17,45,318
Year13 5,416 8,44,896 11,91,147 20,36,043
Year14 5,416 9,09,888 14,53,752 23,63,640
Year15 5,416 9,74,880 17,57,904 27,32,784

PPF Investment Summary –

 

Year of deposit Amount deposited Interest earned Year end Balance
1 year Rs 65,000 Rs 4,615 Rs 69,615
2 years Rs 1,30,000 Rs 14,173 Rs 1,44,173
3 years Rs 1,95,000 Rs 29,024 Rs 2,24,024
4 years Rs 2,60,000 Rs 49,545 Rs 3,09,545
5 years Rs 3,25,000 Rs 76,138 Rs 4,01,138
6 years Rs 3,90,000 Rs 1,09,234 Rs 4,99,234
7 years Rs 4,55,000 Rs 1,49,294 Rs 6,04,294
8 years Rs 5,20,000 Rs 1,96,814 Rs 7,16,814
9 years Rs 5,85,000 Rs 2,52,323 Rs 8,37,323
10 years Rs 6,50,000 Rs 3,16,388 Rs 9,66,388
11 years Rs 7,15,000 Rs 3,89,616 Rs 11,04,616
12 years Rs 7,80,000 Rs 4,72,659 Rs 12,52,659
13 years Rs 8,45,000 Rs 5,66,212 Rs 14,11,212
14 years Rs 9,10,000 Rs 6,71,024 Rs 15,81,024
15 years Rs 9,75,000 Rs 7,87,891 Rs 17,62,891

 

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

 





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