NetReturns

Compare what you keep

Same money, same years, same tax slab. Each option is ranked by its return after tax, and every rate or return can be changed to your own estimate.

₹
How you invest
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After 5 years, Nifty 50 index fund would leave you the most: about ₹1,76,234 (middle case), ₹45,341 more than NSC. Its value goes up and down along the way, so the real result could be higher or lower.
Most moneyMarket-linked

Nifty 50 index fund

You'd have after 5 years₹1,76,234
Gain
₹76,234
A year, after tax
12.0%
Could be
₹1.61 L – ₹1.93 L
Guide →
#2Fixed return

NSC

You'd have after 5 years₹1,30,894
Gain
₹30,894
A year, after tax
5.3%
Rate
7.7% a year, fixed
Guide →
#3Market-linked

Short duration fund

You'd have after 5 years₹1,27,696
Gain
₹27,696
A year, after tax
5.0%
Could be
₹1.23 L – ₹1.32 L
Guide →
#4Fixed return

Bank FD

You'd have after 5 years₹1,24,092
Gain
₹24,092
A year, after tax
4.3%
Rate
6.05% a year, fixed
Guide →

How your money grows

What you'd have after tax at the end of each year. Funds show the middle case.
  • Nifty 50 index fund
  • NSC
  • Short duration fund
  • Bank FD

How they compare

Each row marks the best and weakest of the options you picked.

Swipe the table sideways to see every option →

  • ✓Best of these
  • –In between
  • ✕Weakest of these
Nifty 50 index fundNSCShort duration fundBank FD
You'd have after 5 yrs✓₹1,76,234 (middle)–₹1,30,894–₹1,27,696 (middle)✕₹1,24,092
A year, after tax✓12.0%–5.3%–5.0%✕4.3%
How safe is the money?✕SEBI-regulated, can fall sharply✓Backed by the Government of India–SEBI-regulated, small ups and downs–Insured up to ₹5L per bank
Take money out early?✓Any time✕No, locked for 5 years✓Any time–Yes, with a small penalty
How it is taxed✓12.5% on gains above ₹1.25L a year (20% within a year)✕Slab rate on interest, every year–Slab rate on gains, when you sell✕Slab rate on interest, every year
Costs✕Fund fee, already in the return✓None✕Fund fee, already in the return✓None
Old-regime tax deduction✕No✓Yes, up to ₹1.5L a year✕No✕No (the 5-year tax-saver FD does)
How these numbers are worked out
  • Rates: government schemes use the official rate for Oct–Dec 2026; FDs use SBI's card rates (from 15 Dec 2025); funds use a long-term planning range, shown as its middle case with the low and high ends. Change any of them with “Edit”.
  • “You'd have” is everything you get back minus all tax. Deposit interest is taxed every year; fund gains once, when you sell.
  • “In today's money” values every rupee you put in and get back at today's prices, with prices rising 5.54% a year (latest CPI: 5.54% for September 2026). An option shows a gain only if it beats inflation after tax.
  • Surcharge isn't included.