PPF vs ELSS — 2026 Mein Kaun Better Hai?
Category: SIP & Mutual Funds · Published 2026-03-10 · by Priyanka
Quick Comparison
| Feature | PPF | ELSS |
|---|---|---|
| Risk | Zero | Equity market risk |
| Return (2026) | 7.1% tax-free | ~12% (past 10 yr avg) |
| Lock-in | 15 yrs (5 yr partial) | 3 yrs |
| Tax on gain | Fully exempt (EEE) | LTCG 12.5% above ₹1.25L |
| 80C (old regime) | Yes | Yes |
PPF Kise Chunna Chahiye
- Retirees / risk se darne waale investors.
- Long-term goals >15 saal ke, jahaan liquidity ki zaroorat nahi.
ELSS Kise Chunna Chahiye
- 25-45 umar ke salary earners jinke 10+ saal ke goals hain.
- Jise similar tax benefit ke saath zyada returns chahiye.
Bahut se log 50:50 PPF + ELSS karte hain.
Aksar Poochhe Jaane Wale Sawaal
Kya PPF aur ELSS dono mein invest kar sakte hain?
Haan — ₹1.5 lakh 80C cap dono pe combined hai, par aap apni marzi se split kar sakte ho.
Better return kaun deta hai — PPF ya ELSS?
Historically ELSS ne 10+ saalon mein PPF ko 3-5% CAGR se haraaya hai, par ELSS market-linked hai aur short term mein gir sakta hai.
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