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PPF vs SIP vs Gold: Which is Best to Reach 1 Crore? Full Investment Calculation Revealed!
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News18•29-09-2026, 18:25
PPF vs SIP vs Gold: Which is Best to Reach 1 Crore? Full Investment Calculation Revealed!
- •Discover the best investment among PPF, Mutual Funds, and Gold to achieve a 1 crore savings goal.
- •Investing 1.5 lakh rupees annually in PPF can yield 1.02 crore rupees in 25 years with triple tax exemption.
- •Nifty 50 Index Fund (SIP) can generate 99.30 lakh rupees in 19 years with monthly 12,500 rupees, but involves market risk.
- •Physical gold incurs 18% loss due to making charges and GST, taking 26.5 years to reach 1 crore after taxes.
- •Gold ETF offers a tax-efficient way to invest in gold, reaching 1 crore in 21.5 years without making charges.
Key Questions Answered
If you invest the maximum amount of 1.5 lakh rupees per year (12,500 rupees per month) in a Public Provident Fund (PPF), it takes 25 years (or 23.5 years when accounting for tax savings) to accumulate 1 crore rupees.
When investing in a Nifty 50 Index Fund mutual fund, you are required to pay a 12.5% Long Term Capital Gains (LTCG) tax on your profits.
The moment you buy physical gold jewelry, you immediately lose about 15% in making charges or wastage and 3% in GST, meaning 18% of your money is lost right at the start.
