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⚖️ Section 80C · 2026 Updated

PPF vs ELSS Calculator –
Which 80C Investment Wins?

Compare Public Provident Fund vs ELSS Mutual Fund side-by-side. See exact corpus difference, tax savings, lock-in trade-offs — and decide which is better for your profile.

🏛️ PPF: 7.1% Guaranteed
📈 ELSS: 12-15% Equity
⏰ Lock-in Compare
💰 Tax Savings Both

⚖️ PPF vs ELSS Calculator

Yearly Investment (80C)₹1,50,000
₹5,000₹1.5L (Max 80C)
Investment Duration (Years)15 yrs
3 yrs30 yrs
Your Tax Slab
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Full Comparison

PPF vs ELSS — All Factors Compared

Factor🏛️ PPF📈 ELSSWinner
Returns7.1% p.a. guaranteed12-15% p.a. (historical)ELSS
Lock-in Period15 years3 years onlyELSS
RiskZero — Govt. backedMarket riskPPF
Tax on Returns100% Tax-Free (EEE)10% LTCG above ₹1L/yrPPF
80C DeductionYes (up to ₹1.5L)Yes (up to ₹1.5L)Same
LiquidityPartial after 7yrAfter 3yr lock-inELSS
Max Investment₹1.5L/year capNo limit (only ₹1.5L for 80C)ELSS
Wealth Creation (20yr)₹81L (₹1.5L/yr)₹2.9 Cr (₹1.5L/yr@14%)ELSS
💡 Best Strategy: Use BOTH. Max out PPF (₹1.5L/yr) for guaranteed tax-free component. Invest BEYOND ₹1.5L in ELSS SIP for market-linked growth. PPF = stability. ELSS = wealth creation. See our ELSS Calculator and PPF Calculator for individual projections.
FAQ

PPF vs ELSS FAQs

Which is better: PPF or ELSS for 80C?▼
For most investors: ELSS wins on returns (12-15% vs 7.1%) and lock-in (3yr vs 15yr). However PPF wins on safety (zero risk) and tax treatment (100% EEE vs 10% LTCG). Ideal strategy: PPF for the guaranteed safe portion + ELSS SIP for equity growth. Don't choose one — use both for the complete 80C strategy.
Can I invest in both PPF and ELSS?▼
Yes. The combined 80C limit is ₹1.5L/year, shared across all 80C investments. Many investors split: ₹1L in ELSS SIP (₹8,333/month) + ₹50,000 in PPF. This maximizes the 80C benefit while maintaining both growth potential (ELSS) and safe guaranteed returns (PPF). Beyond ₹1.5L, continue ELSS SIP — no limit and no additional lock-in per installment beyond 3 years.
Is ELSS risky compared to PPF?▼
ELSS carries equity market risk — NAV can fall 30-40% in bear markets. However, no ELSS fund with 10+ year history has given negative returns over a 10-year SIP period. PPF gives guaranteed returns with zero risk. Choose based on risk tolerance: conservative investor → more PPF. Growth-focused → more ELSS. Age 25-40: lean ELSS. Age 50+: lean PPF.

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