Investment Instruments
Diverse financial vehicles structured to match your financial horizon, risk tolerance, and returns expectation.
Stocks (Equities)
Direct ownership in publicly listed corporations. High returns potential backed by long-term compounding.
Mutual Funds
Invest in a mix of stocks or bonds managed by professionals. A practical option for regular monthly investing through SIPs.
Bonds & G-Secs
Lend money to companies or the Indian government in exchange for fixed interest. Often used to reduce portfolio risk.
ETFs (Exchange Traded Funds)
A fund that tracks an index like the Nifty 50 and trades like a stock, usually with lower fees.
National Pension System
Government-backed voluntary retirement program. Combines equity/debt exposure with additional tax deductions.
Sovereign Gold Bonds (SGB)
Government securities denominated in grams of gold. Offers capital appreciation plus 2.5% annual interest.
No new issues since Feb 2024 — existing bonds only, via NSE/BSE.
Wealth Calculators
Plan your financial future with precision using our compound interest simulators.
Total Invested
₹6,00,000
Est. Wealth Gained
₹5,20,109
Total Wealth Projection
₹11,20,109
Required Monthly SIP
₹19,819
Invested exactly every month to reach your goal.
Total You Will Invest
₹35,67,420
Wealth Gained (Interest)
₹64,32,580
Capital Gains Tax Guide
Understand how returns on your investments are taxed in India based on the latest budget rules.
Equity Taxation (Stocks & Mutual Funds)
Applicable when equity exposure is above 65%. Gains are classified based on holding duration.
| Type of Gain | Condition (Holding Duration) | Tax Rate (Latest Rules) |
|---|---|---|
| STCG (Short Term Capital Gains) | Held for less than 12 months | 20% flat |
| LTCG (Long Term Capital Gains) | Held for 12 months or more | 12.5% (Exempt up to ₹1.25L/year) |
Debt Taxation (Bonds & Debt Mutual Funds)
Applicable for fixed-income assets. Under recent rules, capital gains are consolidated into individual tax slabs.
| Asset Type | Holding Duration | Tax Treatment |
|---|---|---|
| Direct Corporate Bonds & G-Secs | Any duration | Taxed at your Income Tax Slab Rate (Gains added to regular income) |
| Debt Mutual Funds (Bought after Apr 1, 2023) | Any duration | Taxed entirely at Income Tax Slab Rate (Indexation benefits removed) |
Gold & Sovereign Gold Bonds (SGB)
SGBs carry unique tax benefits from the Government of India compared to traditional physical gold or ETFs.
| Asset Class | Tax on Capital Gains | Tax on Interest Income |
|---|---|---|
| Sovereign Gold Bonds (SGB) | Tax-free at maturity only for original RBI-issue subscribers holding continuously to the 8-year maturity (Budget 2026, from 1 Apr 2026). Secondary-market buyers pay 12.5% LTCG at maturity. | Taxed at Income Slab Rate (Paid semi-annually) |
| Gold ETFs & Gold Mutual Funds | Taxed at Income Slab Rate | N/A |
National Pension System (NPS) Taxation
NPS is structured for retirement planning with high tax efficiency on contributions and final withdrawals.
| Stage of Account | Tax Benefits & Rules |
|---|---|
| Contributions (Investments) | Deductions up to ₹1.5 Lakh under 80C + extra ₹50,000 deduction under 80CCD(1B) |
| Maturity Withdrawal (Age 60) | 60% Lump Sum is 100% Tax-Free. Remaining 40% goes to pension annuity (taxed on payouts) |