Compare every major Indian investment instrument side-by-side, or build your portfolio and see post-tax returns.
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🏗️Build Portfolio
₹
Five Lakh Rupees
10yrs
% p.a.Real returns adjust your gains for this inflation. Your ₹10L today becomes ₹17.9L in 10 yrs just to break even.
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🏆 Best for you — ₹5.0L · 10 yrs · 20% bracket
#1 pick
📊 Direct Stocks
₹15.6L
5.7% real CAGR · LTCG 12.5% / STCG 20%
#2 pick
📈 Equity Mutual Fund
₹14.3L
4.8% real CAGR · LTCG 12.5% / STCG 20%
#3 pick
🔒 ELSS
₹14.3L
4.8% real CAGR · LTCG 12.5% / STCG 20%
All instruments
📊
Direct Stocks
LTCG 12.5% / STCG 20%
13.0% p.a. (default)
#1
₹15.6L
Post-tax value · LTCG 12.5% (bracket-independent)
Nominal CAGR
12.0%
Real CAGR
5.7%
Total Gains
₹12.0L
Real Value
₹8.7L
Your tax₹1.4L
vs 30% slab₹1.4L
Same tax as equity funds. Higher potential return, higher individual risk.
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📈
Equity Mutual Fund
LTCG 12.5% / STCG 20%
12.0% p.a. (default)
#2
₹14.3L
Post-tax value · LTCG 12.5% (bracket-independent)
Nominal CAGR
11.1%
Real CAGR
4.8%
Total Gains
₹10.5L
Real Value
₹8.0L
Your tax₹1.2L
vs 30% slab₹1.2L
Tax only when you sell. First ₹1.25L profit every year is tax-free. Above that, just 12.5%. Hold under 1 year and STCG at 20% applies.
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🔒
ELSS
LTCG 12.5% / STCG 20%
12.0% p.a. (default)
#3
₹14.3L
Post-tax value · LTCG 12.5% (bracket-independent)
Nominal CAGR
11.1%
Real CAGR
4.8%
Total Gains
₹10.5L
Real Value
₹8.0L
Your tax₹1.2L
vs 30% slab₹1.2L
Same tax as equity funds. 3-year lock-in. Saves tax on investment under old regime (Section 80C).
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📜
Sovereign Gold Bond
Gain Tax-Free at 8 yrs
9.5% p.a. (default)
₹10.8L
Post-tax value · interest at your 20%
Nominal CAGR
8.0%
Real CAGR
1.9%
Total Gains
₹6.1L
Real Value
₹6.0L
Your tax₹26,000
vs 30% slab₹39,000
2.5% annual interest (taxed). All gold price gain at 8-year maturity: completely tax-free.
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🥇
Gold ETF
LTCG 12.5% after 2 yrs
8.0% p.a. (default)
₹10.0L
Post-tax value · LTCG 12.5% (bracket-independent)
Nominal CAGR
7.2%
Real CAGR
1.2%
Total Gains
₹5.8L
Real Value
₹5.6L
Your tax₹75,330
vs 30% slab₹75,330
After 2 years: 12.5% on gains. Within 2 years: taxed at your slab rate.
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⚖️
Debt Mutual Fund
Slab Rate at Exit
7.5% p.a. (default)
₹9.2L
Post-tax value · your 20% bracket
Nominal CAGR
6.3%
Real CAGR
0.3%
Total Gains
₹5.3L
Real Value
₹5.1L
Your tax₹1.1L
vs 30% slab₹1.7L
Tax advantage removed in 2023. All gains taxed at slab rate — but only when you sell.
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🏦
Fixed Deposit
Slab Rate
7.0% p.a. (default)
₹8.6L
Post-tax value · your 20% bracket
Nominal CAGR
5.5%
Real CAGR
-0.4%
Total Gains
₹3.6L
Real Value
₹4.8L
Your tax₹0
vs 30% slab₹1.8L
Interest taxed every year at your slab rate. Tax reduces your compounding base annually.
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📅
Recurring Deposit
Slab Rate
6.8% p.a. (default)
₹8.4L
Post-tax value · your 20% bracket
Nominal CAGR
5.4%
Real CAGR
-0.6%
Total Gains
₹3.4L
Real Value
₹4.7L
Your tax₹0
vs 30% slab₹1.8L
Monthly savings, fixed interest. Same tax as FD — slab rate deducted every year.
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🏛️
PPF
Tax-Free (EEE)
7.1% p.a. (default)
⚠️ 15-yr lock-in — extend your horizon
🎯
NPS
60% Tax-Free
10.0% p.a. (default)
⚠️ Till age 60 — extend your horizon
💡 Tax Harvest Opportunity
₹1.5L
You could save this much in LTCG tax by selling ₹1.3L of equity gains each March and immediately reinvesting. The ₹1.3L exemption resets every April — most investors leave it unused.
Requires annual sell-and-rebuy. Brokerage costs apply. Consult a tax advisor.
Disclaimer: For financial planning purposes only. Tax rules may change. Returns are not guaranteed. Not financial advice — consult a SEBI-registered advisor. FY 2025-26 rules. Surcharge excluded (applies above ₹50L income). Inflation assumed 6%.
FY 2025-26 · New Tax Regime · All returns post-tax · 6% inflation adjustment