Compare Indian Financial Schemes & Tax Options
Eliminate confusion with unbiased mathematical breakdowns, real post-tax returns, sovereign guarantees, and risk profiles.
SIP vs Fixed Deposit (FD) – 10-Year Wealth Comparison
SIP in diversified mutual funds harnesses India's long-term corporate GDP growth (12-15% CAGR), while Bank Fixed Deposits offer sovereign capital safety (6.5-7.5% p.a.) backed by DICGC up to ₹5 Lakhs.
Option A
Equity SIP (Mutual Funds)
12% - 15% p.a. (CAGR)
Option B
Bank Fixed Deposit (FD)
6.5% - 7.5% p.a. (Fixed)
Old vs New Tax Regime Comparison (FY 2024-25 / AY 2025-26)
The New Tax Regime offers lower concessional tax slabs with a ₹75,000 standard deduction and full tax rebate up to ₹7.75 Lakhs, while the Old Tax Regime lets you claim HRA, Home Loan Interest (Sec 24b), 80C (₹1.5L), and 80D medical insurance.
Option A
New Tax Regime (Sec 115BAC)
Nil Tax up to ₹7.75 Lakhs CTC
Option B
Old Tax Regime
Beneficial if Deductions > ₹3.75 Lakhs
Post Office MIS vs Senior Citizen Savings Scheme (SCSS)
Both POMIS and SCSS are sovereign-backed central government savings schemes. SCSS offers a higher 8.2% interest rate and 80C tax deduction for individuals aged 60+, while POMIS (7.4%) has no age restrictions and pays out monthly.
Option A
Post Office MIS (Monthly Income Scheme)
7.4% p.a. (Paid Monthly)
Option B
Senior Citizen Savings Scheme (SCSS)
8.2% p.a. (Paid Quarterly)
Renting vs Buying a Home in India – Financial Reality Check
Buying provides emotional security and leveraged physical asset ownership. Renting in metropolitan India (rental yield 2.5-3%) and investing the EMI surplus into equity mutual funds often creates 2x-3x higher net worth over 20 years.
Option A
Renting + Investing Surplus
12% - 14% on invested surplus
Option B
Buying with Home Loan
6% - 8% Property Appreciation
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