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Every goal bucket, the product types inside it, and how those types compare to each other — risk, returns, tax, and lock-in. For comparing specific named funds, select them from the product table and use “Compare funds”.
Long-term equity growth — mutual funds, index funds, PMS, and direct equity for building wealth over 7+ years.
Insurance that protects you and your family if something goes wrong — life, health, critical illness, and accident cover.
Products designed to pay you a regular income — government schemes, SWPs, REITs, and monthly-payout instruments.
80C and other tax-saving instruments that reduce what you owe while you invest — ELSS, PPF, NPS, and more.
Shorter and medium-term investing aimed at a specific target — a house, education, or a big future purchase.
Long-horizon retirement corpus building — EPF, PPF, NPS, and retirement-focused mutual fund plans.
Diversification away from equity — gold, REITs, and InvITs that tend to move differently from the stock market.
Ultra-safe, instantly accessible money for the unexpected — liquid funds, overnight funds, and sweep-in FDs.
| Metric | ELSS fund | PPF |
|---|---|---|
| What is it | Equity Linked Savings Scheme | Public Provident Fund |
| Category | Grow my money, Save on tax, Save for a goal | Save on tax, Retire comfortably |
| Who regulates it | SEBI | Ministry of Finance |
| Minimum investment | ₹500/month SIP or ₹500 lump sum | ₹500 minimum/year, up to ₹1.5L maximum/year |
| Example products / funds | Parag Parikh ELSS, Mirae Asset ELSS, Axis ELSS, Quant ELSS, DSP ELSS | SBI PPF, Post Office PPF, HDFC Bank PPF |
Choose ELSS fund if anyone in the old tax regime who wants their 80C investment to also grow like equity. Choose PPF if long-term, ultra-safe savers building a retirement or child's-education corpus who don't mind a 15-year commitment.
Even the ELSS fund — the higher-risk option here — can still be the better pick if your time horizon is long enough to ride out its volatility and the higher return potential matters more to you than stability.
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