Public Provident Fund, PPF Returns Vs Equity Linked Savings Scheme, ELSS Returns for Period 1994-2009

Public Provident Fund (PPF) Vs ELSS Returns for 1994-2009

The following chart compares the returns generated over a 15 year period (From 1994-2009) by yearly investment in PPF vs yearly investment in ELSS. For the ELSS, the scheme chosen is SBI Magnum Tax gain simply because no other ELSS scheme was running throughout this period.

In April 2009, even after the equity market had corrected by almost 50% as compared to previous highs, the corpus in ELSS was 250% of the PPF Corpus!!

PPF vs ELSS – 1994 to 2009: 1994-2009

Date Amount Invested PPF Corpus PPF Interest ELSS Entry Load Effective Nav Units Allotted Cumulative Units ELSS Valuation
30-Apr-1994 ₹100,000 ₹100,000 12.00% 2.25% 14.83 6,743.09 6,743.09 ₹100,000
5-May-1995 ₹100,000 ₹212,000 12.00% 2.25% 12.09 8,271.30 15,014.39 ₹181,524
17-May-1996 ₹100,000 ₹337,440 12.00% 2.25% 11.8 8,474.58 23,488.96 ₹277,170
4-Apr-1997 ₹100,000 ₹477,933 12.00% 2.25% 9.64 10,373.44 33,862.41 ₹326,434
3-Apr-1998 ₹100,000 ₹635,285 12.00% 2.25% 10.65 9,389.67 43,252.08 ₹460,635
2-Apr-1999 ₹100,000 ₹811,519 12.00% 2.25% 16.26 6,150.06 49,402.14 ₹803,279
16-Dec-1999 Additional Units Allotted-Div. @ Rs. 2.5 /unit 35.06 3,522.69 52,924.83 ₹1,855,544
3-Apr-2000 ₹100,000 ₹1,008,901 12.00% 2.25% 53.87 1,856.32 54,781.15 ₹2,951,060
2-Apr-2001 ₹100,000 ₹1,229,969 9.50% 2.25% 14.2 7,042.25 61,823.40 ₹877,892
1-Apr-2002 ₹100,000 ₹1,446,816 9.00% 2.25% 13.66 7,320.64 69,144.04 ₹944,508
1-Apr-2003 ₹100,000 ₹1,677,030 8.00% 2.25% 10.94 9,140.77 78,284.81 ₹856,436
29-Sep-2003 Additional Units Allotted-Div. @ Rs. 1.5 /unit 17.23 6,815.28 85,100.09 ₹1,466,275
1-Jan-2004 Additional Units Allotted-Div. @ Rs. 1.5 /unit 25.89 4,930.48 90,030.57 ₹2,330,891
29-Mar-2004 Additional Units Allotted-Div. @ Rs. 1.5 /unit 22.03 6,130.09 96,160.66 ₹2,118,419
2-Apr-2004 ₹100,000 ₹1,911,192 8.00% 2.25% 23.74 4,212.30 100,372.96 ₹2,382,854
1-Nov-2004 Additional Units Allotted-Div. @ Rs. 2.7 /unit 26.48 10,234.40 110,607.36 ₹2,928,883
1-Apr-2005 ₹100,000 ₹2,164,088 8.60% 2.25% 40.23 2,485.71 113,093.07 ₹4,549,734
13-Jun-2005 Additional Units Allotted-Div. @ Rs. 10.2 /unit 37.18 31,026.07 144,119.14 ₹5,358,350
13-Mar-2006 Additional Units Allotted-Div. @ Rs. 15 /unit 44.37 48,721.82 192,840.96 ₹8,556,353
3-Apr-2006 ₹100,000 ₹2,450,199 8.80% 2.25% 48.09 2,079.43 194,920.39 ₹9,373,722
5-Mar-2007 Additional Units Allotted-Div. @ Rs. 11 /unit 40.89 52,436.40 247,356.79 ₹10,114,419
2-Apr-2007 ₹100,000 ₹2,765,817 8.70% 2.25% 42.28 2,365.18 249,721.97 ₹10,558,245
1-Apr-2008 ₹100,000 ₹3,106,443 8.70% 2.25% 51.79 1,930.87 251,652.85 ₹13,033,101
2-Apr-2009 PPF Maturity ₹3,376,703 33.3 251,652.85 ₹8,380,040 ELSS Maturity

 

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