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Investment Comparison Tool

Compare FD, SIP, Gold, Real Estate, PPF and NSC returns

Investment Details

Initial lump sum amount

Expected Annual Returns (%)

🏠
Best Option
Real Estate
Total Returns
₹1,61,051
Net Gain
₹61,051
Tax Liability
₹7,326
Post-Tax Returns
₹1,53,725
🏠

Real Estate

10.00% p.a.
#1
Investment₹1,00,000
Total Returns₹1,61,051
Net Gain₹61,051
Tax Liability-₹7,326
Post-Tax Returns₹1,53,725
🔒

PPF

7.10% p.a.
Investment₹1,00,000
Total Returns₹1,40,912
Net Gain₹40,912
Tax Liability-₹0
Post-Tax Returns₹1,40,912
🪙

Gold

8.00% p.a.
Investment₹1,00,000
Total Returns₹1,46,933
Net Gain₹46,933
Tax Liability-₹7,040
Post-Tax Returns₹1,39,893
📈

SIP (Equity Mutual Funds)

12.00% p.a.
Investment₹1,00,000
Total Returns₹1,37,477
Net Gain₹37,477
Tax Liability-₹0
Post-Tax Returns₹1,37,477
🏦

NSC

7.70% p.a.
Investment₹1,00,000
Total Returns₹1,44,903
Net Gain₹44,903
Tax Liability-₹13,471
Post-Tax Returns₹1,31,432
🏦

Fixed Deposit

7.00% p.a.
Investment₹1,00,000
Total Returns₹1,40,255
Net Gain₹40,255
Tax Liability-₹12,077
Post-Tax Returns₹1,28,179

Key Insights

  • •PPF offers tax-free returns (EEE status) and is government-backed
  • •SIP in Equity MF has higher growth potential but comes with market risk
  • •Real Estate requires large capital and has lower liquidity
  • •Gold acts as a hedge against inflation and economic uncertainty
  • •FD & NSC provide guaranteed returns but interest is taxable

Understanding Different Investment Options

🏦 Fixed Deposit (FD)

Safety: Very High | Returns: 6-8% p.a.

  • ✓ Government-insured up to ₹5 lakh
  • ✓ Guaranteed returns
  • ✗ Interest is taxable
  • ✗ Lower returns than equity

📈 SIP (Equity Mutual Funds)

Safety: Moderate | Returns: 10-15% p.a.

  • ✓ Higher growth potential
  • ✓ LTCG tax benefit (10% above ₹1L)
  • ✗ Market-linked (risk of loss)
  • ✗ Requires 5+ year horizon

🪙 Gold

Safety: High | Returns: 8-10% p.a.

  • ✓ Hedge against inflation
  • ✓ High liquidity
  • ✗ LTCG tax at 20% (with indexation)
  • ✗ No regular income

🏠 Real Estate

Safety: Moderate | Returns: 8-12% p.a.

  • ✓ Tangible asset
  • ✓ Rental income potential
  • ✗ High capital requirement
  • ✗ Low liquidity

🔒 Public Provident Fund (PPF)

Safety: Very High | Returns: 7-7.5% p.a.

  • ✓ Tax-free returns (EEE)
  • ✓ Government-backed
  • ✗ 15-year lock-in
  • ✗ Max ₹1.5L per year

🏦 National Savings Certificate (NSC)

Safety: Very High | Returns: 7-8% p.a.

  • ✓ Government-backed
  • ✓ 80C deduction available
  • ✗ Interest is taxable
  • ✗ 5-year lock-in

Investment Strategy Tips

🎯 Diversification

Don't put all eggs in one basket. Spread across multiple asset classes to reduce risk.

⏳ Time Horizon

Longer investment period allows for higher equity exposure and better compounding.

💰 Risk Appetite

Choose based on your age, goals, and risk tolerance. Conservative → FD/PPF, Aggressive → SIP

📊 Regular Review

Review portfolio annually and rebalance based on performance and changing goals.

Every formula, convention and source behind these calculators is written down. Read the methodology — including what BullTimes deliberately will not do. We take no commission on anything, and recommend nothing.