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LIC vs SIP, PPF, NPS & RD

Compare what the same yearly amount could grow to across LIC, equity SIP, PPF, NPS and a recurring deposit, and weigh returns against safety, tax and life cover.

Total invested over 15 years: ₹15,00,000. Assumed returns: SIP 12%, NPS 9%, PPF 7.1%, RD 6.5%, LIC 5.5% (indicative).

Equity SIP

12% p.a.

Highest expected return but market risk; LTCG taxable.

Market-linked

Maturity

₹41,75,328

NPS

9% p.a.

Market-linked, extra 80CCD(1B) tax break, annuity at exit.

Market-linked

Maturity

₹32,00,340

PPF

7.1% p.a.

15-year lock-in, fully tax-free, no cover.

GuaranteedTax-free maturity

Maturity

₹27,12,139

Recurring deposit

6.5% p.a.

Safe, but interest is taxable; no cover.

Guaranteed

Maturity

₹25,75,401

LIC endowment

5.5% p.a.

Guaranteed-ish returns, life cover, maturity tax-free.

GuaranteedTax-free maturity Life cover

Maturity

₹23,64,114

Indicative comparison using assumed average returns; actual returns vary and market-linked options (SIP, NPS) carry risk. Higher maturity is not the only factor, LIC uniquely bundles life cover and tax-free maturity under 10(10D). Not investment advice. PolicyBros is not affiliated with LIC.