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About this calculator
Deposits give certainty; equity SIPs give growth potential with ups and downs. Compare what the same monthly amount could become in each, after tax.
How is this calculated?
Recurring deposit interest is taxed every year at your slab plus cess, so it compounds at the after-tax rate. SIP gains are taxed only at redemption: 12.5% plus cess on long-term gains above ₹1.25 lakh.
Calculations are illustrative and based on the assumptions you enter. Actual investment returns may vary, and past performance does not guarantee future results. These calculators are for education and should not be taken as investment, tax or legal advice. Tax figures follow the rules for FY 2026-27 as announced in Budget 2026 and are simplified; please confirm your own position with a tax professional. Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155). Mutual fund investments are subject to market risks; read all scheme-related documents carefully.