Enter a monthly amount and time period to see how each option would grow — a starting point for deciding where to put your money, not a final answer.
| Option | Assumed Rate | Total Invested | Maturity Value | Risk Level |
|---|
This shows pure growth potential at assumed rates, but the real decision depends on more than the number: FD and RD offer certainty (the rate is locked in when you start); PPF adds tax-free compounding but locks your money for 15 years with limited early access; SIP in equity mutual funds has historically delivered the highest average returns over long periods, but the year-to-year journey is volatile and the 12% assumed here is not guaranteed — some years could be negative.
A common approach: use PPF and FD for money you can't afford to risk (emergency fund, near-term goals), and SIP for long-term goals (10+ years) where short-term volatility has time to average out.
It depends on your goal. FD and RD offer guaranteed, low-risk returns for short-to-medium term needs. PPF offers tax-free guaranteed returns but locks your money for 15 years. SIP in equity mutual funds has historically offered the highest long-term returns but carries market risk and no guarantee — it suits long-term goals where you can ride out volatility.
Yes, and most financial planners recommend it — using PPF/FD for safe, guaranteed goals, and SIP for long-term wealth building, rather than putting everything into just one option.