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Govt Schemes vs Mutual Fund

Compare every major small-savings scheme (PPF, Sukanya Samriddhi, SCSS, NSC, KVP) against an equivalent Mutual Fund SIP. See the maturity corpus, the tax shield, and whether the MF's higher return overcomes the sovereign-backed safety and EEE tax treatment.

RATES · FY 2025-26 INDICATIVE

Pick Your Scheme & Inputs

PPF cap: ₹1.5L/yr
PPF: 15yr (extensible in 5-yr blocks)
PPF FY25-26: 7.1%, quarterly reset
For 80C benefit + post-tax MF return
PPF/Sukanya/NSC eligible. SCSS partial. KVP NOT eligible.
Composite haircut on terminal MF gains
NEXTLEVEL EDUCATION PRIVATE LIMITED AMFI Registered Mutual Fund Distributor & SIF Distributor
Mumbai · Kolkata · Madurai

DisclaimerFor illustrative and educational purposes only. Small-savings rates are reset quarterly by the Government, so the rates shown reflect FY 2025-26 indicative levels and may change. Scheme features (tenure, contribution caps, tax treatment, lock-in, premature exit penalties) are summarised; consult India Post / SBI / authorised banks for current rules. Tax treatment shown is under the old regime; the new regime removes most 80C benefits. Not tax or investment advice.



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See Also

FD vs Mutual Fund→For bank fixed deposits rather than govt schemes: see how an MF compares against a plain FD at your tax slab. NPS vs Equity MF→For the retirement-specific scheme with the 80CCD(1B) extra ₹50K deduction, with the catch of a mandatory annuity at 60. Capital Gains Tax→Compute exact LTCG on the MF corpus at redemption, which refines the 6% composite drag assumed here.