CalculatorsResearch Hub
⚖️ TRIPLE ASSET AUDIT • September 2026

SIP vs Bank FD vs PPF: 20-Year Inflation & Tax Reality Audit

By SIPPlanCalculator.in Editorial Desk • 12 Min Read
⚖️ 20-YEAR WEALTH COMPARISON SIP vs Bank FD vs PPF BANK FD (7.0% PRE-TAX) ₹38.6 Lakhs Real Post-Tax Return: -1.1% (Loss!) PPF (7.1% EEE TAX FREE) ₹52.7 Lakhs Real Post-Tax Return: +1.1% EQUITY SIP (@ 12% CAGR) ₹99.9 Lakhs Real Post-Tax Return: +5.2% Assumes ₹10,000/mo for 20 years, 30% tax bracket for FD, 6% CPI inflation. SIPPlanCalculator.in 2026. sipplancalculator.in

⚖️ Inflation Reality: Bank FD Losses Money in Real Terms

Investing ₹10,000/month in a 7% Bank FD for 20 years yields ₹38.6 Lakhs pre-tax. After a 30% tax slab, your corpus drops to ₹31.2 Lakhs. Adjusting for 6% CPI inflation, your **purchasing power actually shrank by 1.1% per year!** Bank FDs protect nominal rupees, but destroy real purchasing power.

Test Inflation Against Your Investments

Launch Inflation Reality Calculator 📉
Σ

SIPPlanCalculator.in Editorial & Research Desk