Asset Battle: Wealth Creation vs Capital Protection
SIP vs Fixed Deposit (FD) Calculator
Compare ₹10,000/month invested in Equity Mutual Funds (12% CAGR) vs Bank Recurring Fixed Deposits (7% p.a.) over 10 years.
Equity Mutual Fund SIP
12% CAGR
Maturity Corpus (10 Years)₹22,40,359
Principal Invested:₹12,00,000
Estimated Wealth Gain:+₹10,40,359
Taxation:12.5% LTCG above ₹1.25L
Bank Recurring Deposit (FD)
7% Quarterly
Maturity Corpus (10 Years)₹17,37,017
Principal Invested:₹12,00,000
Guaranteed Interest:+₹5,37,017
Taxation:Income slab rate (up to 30%)
The Compounding Outperformance
Equity SIP generates +₹5,03,342 more wealth (29% higher)!
While Bank FDs provide capital guarantee, they barely beat 6% inflation after deducting income tax. Equity SIPs harness India's economic growth to deliver substantial real wealth compounding over 10+ years.