SIP vs FD Calculator (India)
Daily-refreshed Market Mood Index, post-tax SIP/FD verdicts, and AMFI-sourced category returns. Free, transparent, and honest about taxes.
India Market Mood Index
Updated todayComposite of NIFTY 50 P/E (50%), India VIX (30%), and advance/decline ratio (20%).How is this computed?
10y avg 24, z=-0.85σ
→ 28.7/100
lower = calmer markets
→ 48.7/100
ratio of NIFTY 50 stocks rising vs falling
→ 51.3/100
10y avg: 8.07% (current: 12%)
NIFTY 50 Historical CAGR
Updated todayTop 5 funds in Large Cap (for reference, not a recommendation)Updated today
| Fund | AMC | 10y CAGR |
|---|---|---|
| JM Large Cap Fund (Direct) - Quarterly IDCW | JM Financial Asset Management Limited | 12.36% |
| JM Large Cap Fund (Direct) - Annual IDCW | JM Financial Asset Management Limited | 12.36% |
| JM Large Cap Fund (Direct) - Growth Option | JM Financial Asset Management Limited | 12.33% |
| JM Large Cap Fund (Direct) - Half Yearly IDCW | JM Financial Asset Management Limited | 12.29% |
| JM Large Cap Fund (Direct) - Monthly IDCW | JM Financial Asset Management Limited | 12.26% |
Past performance does not guarantee future returns. We do not recommend funds; this list is the top 5 by 10y CAGR within the AMFI category, shown so you can sanity-check the average.
SIP Investment
Future Value (pre-tax)
₹23.23 L
Post-tax (LTCG @ 12.5%, ₹1.25L exempt)
₹21.99 L
Invested
₹12.00 L
Returns
₹11.23 L
Return on Investment
93.6%
Fixed Deposit
Maturity Value (pre-tax)
₹22.64 L
Post-tax (slab 30%, eff rate 4.48%)
₹18.74 L
Principal
₹12.00 L
Interest
₹10.64 L
Interest Rate (SBI)
6.4% p.a.
Verdict (post-tax): SIP Wins!
Difference
+₹3.25 L
Percentage More
+17.3%
Risk Level
SIP: Medium | FD: Low
Visual Comparison
Important Disclaimer
- For educational purposes only — not financial advice.
- Mutual fund investments are subject to market risks. Past performance does not guarantee future returns.
- FD rates and NIFTY CAGR are refreshed daily from public sources; see the methodology page for sources, the MMI formula, and known limitations.
- Tax calculations use the assumptions documented in methodology. Your actual tax may differ.
- Consult a SEBI-registered financial advisor before making investment decisions.
Disclaimer: This tool is for educational and informational purposes only. It does not constitute financial advice, investment advice, or any other type of advice. The calculations, data, and information provided are approximate and may not reflect current market conditions or actual returns. Mutual fund investments are subject to market risks. Please read all scheme-related documents carefully before investing. Always consult a SEBI-registered financial advisor before making investment decisions. The creator of this tool assumes no liability for any financial decisions made based on the information provided here.