📊 Compare Investments

See how different investments perform with the same monthly contribution

⚠️ Important Legal Notice

Simplified Comparison: Actual returns vary based on market conditions, timing, and specific product chosen.
Rate Assumptions: Default rates are based on current official rates or historical averages.
Not Investment Advice: This comparison is for educational purposes only.

Choose 2-3 options to compare side-by-side

📈 SIP (Equity)

🏦 PPF

💳 FD

🏧 RD

👧 SSY

📜 NSC

Monthly Investment (₹)

Investment Duration (Years)

⚙️ Customize Rates

SIP Return (%)

PPF Rate (%)

FD Rate (%)

RD Rate (%)

SSY Rate (%)

NSC Rate (%)

Select at least 2 investments to compare

📋 Assumptions Used v1.0

View full assumptions changelog →

SIP (12%): Based on Nifty 50 20-year CAGR (~11.74%)
PPF (7.1%): Current rate for Q4 FY25-26
FD (7%): Average 5-year FD rate from major banks
RD (6.8%): Slightly lower than FD due to monthly deposits
SSY (8.2%): Current rate for Q4 FY25-26
NSC (7.7%): Current rate for Q4 FY25-26
Compounding: Monthly for SIP/RD, Annual for PPF/SSY/NSC, Quarterly for FD

Data verified: January 2026

🧮 How This Calculator Works

SIP/RD Formula:

                                FV = P × [(1 + r)^n - 1] / r × (1 + r)

                                Where: P = Monthly investment, r = Monthly rate, n = Total months

FD Formula:

                                FV = P × (1 + r/4)^(4×t) (Quarterly compounding)
                            

PPF/SSY/NSC: Annual compounding on yearly deposits