Investment Returns Calculator
Investment Maturity Projection
⚠️ Returns are indicative based on the assumed rate. Actual returns vary with market conditions, tax implications, and product terms. Consult a SEBI-registered financial advisor before investing.
Investment Options Comparison — India (2025–26)
| Investment Option | Approx. Returns | Lock-in | Tax on Returns | Risk Level |
|---|---|---|---|---|
| Fixed Deposit (FD) | 6.5–7.5% p.a. | 7 days – 10 years | Taxable (as income) | Very Low |
| PPF (Public Provident Fund) | 7.1% p.a. (tax-free) | 15 years | Tax-free (EEE) | Very Low |
| NSC (National Savings Certificate) | 7.7% p.a. | 5 years | Taxable | Very Low |
| Equity Mutual Funds | 10–15% p.a. (historical) | None (ELSS: 3 yr) | LTCG 12.5% above Rs.1.25L | Medium–High |
| Debt Mutual Funds | 6–8% p.a. | None | Taxable as per slab | Low |
| Gold / SGBs | 8–12% p.a. (long term) | 8 years (SGB) | Capital gains applicable | Medium |
| Real Estate | 8–15% p.a. (appreciation) | Illiquid | LTCG 12.5% (after 24 months) | Medium |
How to Use This Calculator
This calculator estimates the future value of a one-time (lump sum) investment using the compound interest formula:
FV = PV × (1 + r)^n
- Select "Preset" options to auto-fill current market returns for popular instruments
- Adjust the rate manually for custom scenarios
- Compounding is assumed to be annual for most instruments
- Tax implications are not factored in — use post-tax returns for accurate planning
Frequently Asked Questions
For periods of 10+ years, equity mutual funds have historically outperformed FDs significantly (10–15% vs 7%). However, FDs offer guaranteed returns and capital protection. The right choice depends on your risk tolerance, investment horizon, and tax bracket. Many financial planners recommend a mix — FD for emergency/short-term funds and mutual funds for long-term wealth creation.
PPF remains one of the best risk-free investment options due to its EEE (Exempt-Exempt-Exempt) tax status — contributions qualify for 80C deduction, interest is tax-free, and maturity is tax-free. The current rate of 7.1% p.a. with compounding and tax benefits makes the effective return much higher for those in the 30% tax bracket. The 15-year lock-in suits long-term goals like retirement or children's education.
NRIs can invest in India through NRE (tax-free repatriable) or NRO accounts. Permitted investments include mutual funds, FDs, PPF (contributions allowed, subject to limits), real estate (except agricultural land), and equity (under Portfolio Investment Scheme). FEMA regulations govern repatriation. SG Law India assists NRIs with investment compliance, property purchases, and related legal documentation in Pondicherry.
NRI Investment or Property Purchase in Pondicherry?
SG Law India provides expert legal services for NRI investments, property transactions, and financial compliance in Pondicherry.