Compare Investment Growth Options
Select your initial capital and tenure. Compare mathematical projections for FD, PPF, ELSS, NPS, Gold & more based on stated compounding rules.
Capital
₹2.00 L
Tenure
10 Yrs
Inflation Value (6%)
₹3.58 L
Projected Maturity Value After 10 Years
Capital invested today: ₹2.00 L
Faded bars represent returns below the assumed 6% annual inflation benchmark.
Investment Comparison Matrix
Mathematical projections based on ₹2.00 L invested for 10 years
| Index | Investment | Estimated Maturity Value | Estimated Interest/Gain | Expected Return Rate | Lock-in Period | Risk Category | Tax Treatment | Beats 6% Inflation |
|---|---|---|---|---|---|---|---|---|
| #1 | ELSS Mutual Fund LTCG up to ₹1L tax-free. 80C. 3-yr lock. | ₹6.21 L | +₹4.21 L | 12% p.a. | 3 yr lock | High Risk | Tax Exempt (EEE) | Yes |
| #2 | Equity Mutual Fund Historical 12% CAGR. LTCG taxable above ₹1L. | ₹6.21 L | +₹4.21 L | 12% p.a. | Flexible | High Risk | Taxable | Yes |
| #3 | NPS 80C + 80CCD(1B) benefit. ~10% projected. | ₹5.19 L | +₹3.19 L | 10% p.a. | Flexible | Low Risk | Taxable | Yes |
| #4 | EPF Tax-free. FY 2026-27 rate: 8.25%. | ₹4.42 L | +₹2.42 L | 8.25% p.a. | Flexible | None Risk | Tax Exempt (EEE) | Yes |
| #5 | Digital Gold Historical ~8% CAGR. LTCG taxable. | ₹4.32 L | +₹2.32 L | 8% p.a. | Flexible | Medium Risk | Taxable | Yes |
| #6 | Fixed Deposit TDS applicable. Senior citizens +0.5%. | ₹4.04 L | +₹2.04 L | 7.1% p.a. | Flexible | None Risk | Taxable | Yes |
| #7 | PPF EEE status. Sec 80C. 15-yr lock-in. | ₹3.97 L | +₹1.97 L | 7.1% p.a. | 15 yr lock | None Risk | Tax Exempt (EEE) | Yes |
| #8 | Recurring Deposit Interest taxable. Avg bank rate 6.5%. | ₹3.81 L | +₹1.81 L | 6.5% p.a. | Flexible | None Risk | Taxable | Yes |
| #9 | Savings Account Fully liquid. Interest taxable per slab. | ₹2.83 L | +₹83.4K | 3.5% p.a. | Flexible | None Risk | Taxable | No |
How This Comparison Is Calculated
This tool applies standardized compounding models to evaluate how a lump sum investment grows under different financial instruments:
- Bank Fixed Deposits & RDs: Compound quarterly at displayed average interest rates (e.g., 7.1% p.a.).
- PPF & EPF: Compound annually at government-notified interest rates (7.1% for PPF and 8.25% for EPF).
- Mutual Funds & Equities: Modeled using historical Compound Annual Growth Rates (CAGR) of 12% p.a. Past performance does not guarantee future results.
- Inflation Benchmark: Modeled using a standard 6% p.a. long-term inflation rate to display purchasing power parity.
Category Highlights
Based on ₹2.00 L invested for 10 years
Highest Projected Return
ELSS Mutual Fund
₹6.21 L
Tax saving with highest growth potential
Tax-Deductible Category
ELSS Mutual Fund
₹6.21 L
Tax saving with highest growth potential
Capital Preservation Category
EPF
₹4.42 L
Salaried employee retirement corpus
Exceeds Inflation Benchmark
ELSS Mutual Fund
₹6.21 L
Tax saving with highest growth potential
Important Disclaimer & Advisory Note
Important: Results are mathematical estimates based on the inputs and assumptions selected by the user. They are not personalized investment recommendations. Equity investments are subject to market risks. Tax implications depend on individual income brackets. Please consult a SEBI-registered financial advisor before making investment decisions.