PPF vs FD vs SIP — Which Should You Choose?
PPF is tax-free with government backing but has a 15-year lock-in. FD is safe and predictable but taxable. SIP in equity funds offers higher long-term growth potential with market risk. Many people combine all three for different goals.
This guide uses India-specific examples (₹ amounts, tax and investment rules). Linked India-only calculators need INR selected in the currency menu.
Safety and returns
PPF and FD: capital protection focus; returns are moderate and known in advance (PPF rate changes yearly).
SIP: market-linked; suitable for long horizons (7+ years) when you can handle volatility.