₹2,000/Month for 30 Years: PPF vs SIP Results?

Investing just ₹2,000 a month for 30 years in PPF gives you tax-free safety but lower returns. A mutual fund SIP in the same period can grow your money far more — but comes with market risk. Here's the honest comparison.

Here's what happened: PPF at the current 7.1% annual rate turns ₹2,000/month into roughly ₹24–25 lakh over 30 years — fully tax-free under EEE status.. A mutual fund SIP averaging 12% annual returns (historical large-cap average) on the same ₹2,000/month can grow to approximately ₹1.5–1.7 crore over 30 years.. The gap between the two is not just returns — PPF locks in your money for 15 years with limited withdrawals, while SIPs offer liquidity anytime..

What you should do: Calculate your 30-year SIP target using a free SIP calculator — enter ₹2,000, 12% return, 30 years — and see the crore figure yourself.. Split your ₹2,000: put ₹1,000 in PPF for guaranteed tax-free safety and ₹1,000 in a diversified equity SIP for wealth creation.. Check whether your PPF account is active and contributions are up to date — a dormant PPF account loses its tax-free compounding advantage..

PPF interest is calculated on the lowest balance between the 1st and 5th of each month — always deposit before the 5th to earn full month's interest.