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Compare Your After-Tax Returns

See how your investments really perform after taxes. Use our calculator to compare gross and net returns across different investment options.

Investment Returns Calculator

Investment Amount (₹)

₹10.00 L

Investment Type

Expected Return (% p.a.)(Projected)

24%

Investment Tenure

Your Tax Bracket

* This calculator provides illustrative projections only. Actual returns may vary. Consult a financial advisor for personalized advice.

Detailed Comparison Table

Minimum Investment

Fixed Deposit₹1,000

Mutual Funds₹500

Growmatic

Real Estate

₹10 Lakhs+

Gross Returns (Annual)

Fixed Deposit5-7%

Mutual Funds8-15%

Growmatic

Real Estate

18–24% (Projected)

After-Tax Returns (30% bracket)

Fixed Deposit3.5-4.9%

Mutual Funds7-13% (LTCG)

Growmatic

Real Estate

15.75–21%

Tax Treatment

Fixed DepositAdded to income, taxed at slab

Mutual FundsSTCG: 20% | LTCG: 12.5%

Growmatic

Real Estate

LTCG: 12.5% (with indexation)

Risk Level

Fixed DepositVery Low

Mutual FundsMedium to High

Growmatic

Real Estate

Medium

Liquidity

Fixed DepositHigh (with penalty)

Mutual FundsHigh

Growmatic

Real Estate

Low (2-4 year lock-in)

Market Correlation

Fixed DepositNone

Mutual FundsHigh

Growmatic

Real Estate

Low

Inflation Protection

Fixed DepositPoor (often negative real returns)

Mutual FundsVariable

Growmatic

Real Estate

Good (asset appreciation)

Management Required

Fixed DepositNone

Mutual FundsMinimal

Growmatic

Real Estate

None (we handle everything)

Feature	Fixed Deposit	Mutual Funds	Real Estate Growmatic
Minimum Investment	₹1,000	₹500	₹10 Lakhs+
Gross Returns (Annual)	5-7%	8-15%	18–24% (Projected)
After-Tax Returns (30% bracket)	3.5-4.9%	7-13% (LTCG)	15.75–21%
Tax Treatment	Added to income, taxed at slab	STCG: 20% \| LTCG: 12.5%	LTCG: 12.5% (with indexation)
Risk Level	Very Low	Medium to High	Medium
Liquidity	High (with penalty)	High	Low (2-4 year lock-in)
Market Correlation	None	High	Low
Inflation Protection	Poor (often negative real returns)	Variable	Good (asset appreciation)
Management Required	None	Minimal	None (we handle everything)

Feature Comparison

Transparent pricing

Fixed Deposit

Mutual Funds

Growmatic

Capital appreciation potential

Fixed Deposit

Mutual Funds

Growmatic

Low market volatility

Fixed Deposit

Mutual Funds

Growmatic

Secured by physical assets

Fixed Deposit

Mutual Funds

Growmatic

Professional management

Fixed Deposit

Mutual Funds

Growmatic

End-to-end handling

Fixed Deposit

Mutual Funds

Growmatic

No stock market exposure

Fixed Deposit

Mutual Funds

Growmatic

Feature	Fixed Deposit	Mutual Funds	Growmatic
Transparent pricing
Capital appreciation potential
Low market volatility
Secured by physical assets
Professional management
End-to-end handling
No stock market exposure

Important Disclaimer

The returns shown for real estate are projected based on historical data and market analysis. Actual returns may vary. Real estate investments involve risks including market fluctuations, construction delays, and liquidity constraints. Past performance is not indicative of future results. Please consult a financial advisor before making investment decisions.

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