Rs 3,000 Mutual Fund SIP Vs PPF: Which Can Build Bigger Wealth In 15 Years? by NDTV Profits | May 17, 2026 12:06 pm | Latest Posts, Market, Trending News The PPF currently offers a fixed interest rate of 7.1 per cent annually, equity SIPs have historically delivered average annual returns of around 12-14 per cent over the long term.