Invest,
with clarity and patience.
- Mutual funds & SIP
- Tax-saving ELSS
- PPF, NPS & FD
- Live SIP calculator
Live SIP Calculator
Assumes a constant monthly return. Actual market returns will vary.
- Total Invested
- ₹12,00,000
- Estimated Returns
- ₹11,23,391
- Future Value
- ₹23,23,391
This is a mathematical projection, not a promise of returns. Mutual fund investments are subject to market risk.
Core Investments
Where most investors start
Mutual Funds
Professionally managed pools of equity, debt or hybrid securities. Choose a category that matches your time horizon and risk tolerance.
- Equity, debt and hybrid categories
- Direct vs regular plans, expense ratio
- Exit loads and rebalancing basics
SIP (Systematic Investment Plan)
A method of investing a fixed amount every month, smoothing out market entry and building discipline over time.
- Rupee-cost averaging explained
- Step-up SIP and when to use it
- Why stopping a SIP in downturns hurts
ELSS (Tax Saving)
Equity Linked Savings Scheme — the shortest lock-in under Section 80C, with equity-like long-term return potential.
- 3-year lock-in per instalment
- Section 80C deduction up to ₹1.5 lakh
- How ELSS compares to PPF and tax-FDs
Fixed Deposit
Deposit a lump sum at a locked-in rate for a fixed tenure. Best for known goals and capital preservation.
- Cumulative vs non-cumulative payouts
- Deposit insurance up to ₹5 lakh per bank
- Tax on interest at your slab
Long-term Options
Built for decades, not quarters
PPF
Public Provident Fund — a 15-year sovereign-backed savings scheme with tax-free interest and Section 80C benefits.
Learn moreNPS
National Pension System — a market-linked retirement scheme with an additional ₹50,000 deduction under Section 80CCD(1B).
Learn moreStocks & Demat
Direct equity investing through a demat account. Higher potential returns, higher volatility and more research required.
Learn moreBest Investment Options
A side-by-side comparison of every major instrument — return, risk, lock-in and tax treatment.
A simple investment pathway
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01
Build the emergency fund
3–6 months of expenses in a low-risk, accessible place before investing anywhere.
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02
Protect with term & health
Adequate life and health cover for the household before taking market risk.
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03
Match instrument to horizon
Equity for long horizons, debt for short goals — never the other way around.
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04
Review, step up, stay invested
Increase contributions as income grows, and avoid reacting to short-term noise.
Understand before you invest.
Returns follow patience. Our guides help you match instruments to goals, compare on risk and cost — and avoid the small decisions that quietly erode compounding.
Try the SIP calculator-
Every major instrument
Mutual funds, SIP, ELSS, FD, PPF, NPS and direct stocks — all covered.
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Horizon-first thinking
Choose instruments by time horizon, not by recent performance.
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Live calculators
Model SIP, lumpsum and goal-based investments instantly.
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Not sellers
Capnomic does not sell funds or stocks — this is educational content.