SIP vs PPF: Public Provident Fund (PPF) and Systematic Investment Plan (SIP) are two investment options that help generate substantial corpus in the long-term. However, both differ in nature, as one is a risk-free government scheme while other is market-linked and carries risk. Let’s learn more about them and compare their return for an investment of Rs 99,999 per year over 15 years.

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

Suppose you are investing Rs 99,999 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 99,999 Annual Investment?

If you invest Rs 99,999 yearly in SIP (Rs 8,333 per month), your total investment will amount to Rs 14,99,940 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 42,04,632, including Rs 27,04,692 as capital gains.

SIP Returns (with 12% annual interest rate):

• Monthly investment: Rs 8,333
• Total investment (15 years): Rs 14,99,940
• Estimated returns: Rs 27,04,692
• Total value: Rs 42,04,632

PPF Investment Calculation: How Much Will Your Corpus Grow in 15 Years with Rs 99,999 Annual Investment?

If you invest Rs 99,999 per year in a PPF, your total investment over 15 years will also amount to Rs 14,99,985. However, with an annualised return of 7.1 per cent, the interest earned would be Rs 12,12,127. With this, the final corpus would be around Rs 27,12,112 (principal + interest).

PPF Returns (with 7.1% annual interest rate):

• Annual Investment: Rs 99,999
• Total Investment (15 years): Rs 14,99,985
• Estimated Returns: Rs 12,12,127
• Total Corpus: Rs 27,12,112

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