Compare high-growth market options against traditional guaranteed savings instruments in India.
Click on product cards to highlight choices for side-by-side evaluation.
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Product Features
Most Popular
SIP (Mutual Funds)
High+ Select
Fixed Deposit (FD)
Fixed+ Select
Public Provident Fund (PPF)
Guaranteed+ Select
High Yield
Fractional Real Estate
High+ Select
National Pension System (NPS)
Market-Linked+ Select
Expected Returns / Yield
12% - 15% CAGR (Equity)
6.5% - 7.75% p.a.
7.1% p.a. (Govt reset quarterly)
10% - 14% p.a. (Yield + Capital Growth)
9% - 12% p.a.
Risk & Protection
Moderate
Capital Safe
Capital Safe
Asset-Backed
Moderate
Lock-in & Liquidity
None (ELSS has 3 Years)
7 days to 10 years (5 yrs for Tax Saver)
15 Years (Partial withdrawal after 7 yrs)
3 - 5 Years (Target holding)
Till Age 60
Tax Benefits (India)
12.5% LTCG (>₹1.25L); ELSS under Sec 80C
Taxable as per Income Tax Slab; Sec 80C for 5-Yr FD
Exempt-Exempt-Exempt (EEE under Sec 80C)
Rental taxed as income; Capital gains tax on sale
Sec 80C (₹1.5L) + Extra ₹50,000 under Sec 80CCD(1B)
Inflation Hedge
Excellent
Poor
Moderate
Excellent
Good
Best Suited For
Long-term wealth creation & compounding
Capital safety, senior citizens & emergency fund
Risk-averse long-term tax-free savings
Monthly rental income & tangible asset growth
Tax saving & systematic retirement corpus
Primary Advantage
High inflation-adjusted returns via power of rupee cost averaging.
DICGC insured up to ₹5 Lakhs per bank with guaranteed returns.
100% Sovereign guarantee with complete tax exemption on interest.
Direct co-ownership in prime Grade-A commercial properties with high rental yield.
Lowest expense ratio financial product in India with extra tax benefits.
Consideration
Subject to market volatility in short term.
Post-tax returns often struggle to beat inflation.
Rigid 15-year lock-in period with annual deposit limits (₹1.5L).
Moderate liquidity compared to listed stocks or mutual funds.
60% lump sum tax-free at retirement; 40% mandatory annuity purchase.
Explore & Apply
💡 Financial Advisor Tip: Tax rules are subject to Indian IT Act amendments. Returns for market-linked products like SIPs & ULIPs depend on underlying fund performance. Consult your assigned relationship manager for customized advice.
*Past performance is not indicative of future returns. Market-linked investments are subject to market risks. Please read all scheme/product documents carefully before investing.