Mutual Fund PPF vs ELSS

Summary
Scheme Name Launch Date AUM (Crore) Expense Ratio (%) Start Date Amount Invested Scheme Current Value as on 10-01-2026 Scheme Returns (%) PPF Current Value PPF Returns (%) Action
HDFC ELSS Tax saver - Growth Plan 05-03-1996 17244.35 1.7 10-01-2011 10000.0 61033.72 12.81 32377.5 8.14 Invest Now

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Returns less than 1 year are in absolute (%) and greater than 1 year are compounded annualised (CAGR %). SIP returns are shown in XIRR (%).

The Risk Level of any of the schemes must always be commensurate with the risk profile, investment objective or financial goals of the investor concerned. Mutual Fund Distributors (MFDs) or Registered Investment Advisors (RIAs) should assess the risk profile and investment needs of individual investors into consideration and make scheme(s) or asset allocation recommendations accordingly.

Mutual Fund investments are subject to market risks, read all scheme related documents carefully. Past performance may or may not be sustained in the future. Investors should always invest according to their risk profile and consult with their mutual fund distributors or financial advisor before investing.

Frequently Asked Questions

ELSS is an equity-linked tax saving fund with market returns and a 3-year lock-in, while PPF is a government savings scheme with fixed returns and a 15-year lock-in.

A PPF return calculator estimates your maturity amount by entering your annual contribution, duration, and expected interest rate.

Yes, PPF contributions qualify for tax deduction under Section 80C and must be mentioned in your income tax return.

PPF returns are completely tax-free at maturity, including interest earned and maturity proceeds.

PPF offers stable tax-free returns; ELSS may deliver higher equity-linked returns but with market risk and shorter lock-in.

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