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Gold vs Equity vs FD Calculator
Compare gold, Nifty 50 equity, and fixed deposits side by side. See post-tax returns, real returns after inflation, and why FDs may lose you money in high tax brackets. Based on historical Indian data.
Bunu nasıl hesaplıyoruz - yöntem, formüller ve kaynaklarEquity wins after tax
₹85,81,131
Nifty 50 delivers highest post-tax value at 11.35% effective CAGR
Lump sum of ₹10,00,000 invested for 20 years. FD interest taxed at 30% slab rate. Gold & equity LTCG at 12.5%.
Altın
Post-tax
₹71.8L
Gross
₹80.6L
Multiplier
8.1×
Hisse Senedi (Nifty 50) (Best)
Post-tax
₹85.8L
Gross
₹96.5L
Multiplier
9.6×
Vadeli Mevduat
Post-tax
₹30.1L
Gross
₹38.7L
Multiplier
3.9×
Gold (Physical / ETF)
Equity (Nifty 50 Index Fund)
Vadeli Mevduat (FD)
Growth Comparison (Pre-Tax)
Vergi Tuzağı
Gold: 8.1× your money in 20 years. LTCG at flat 12.5% (no exemption). Consider Sovereign Gold Bonds (SGBs) for tax-free maturity + 2.5% annual interest.
Equity (Nifty 50): 9.6× your money. Most tax-efficient - LTCG at 12.5% with ₹1.25L annual exemption. Market-linked risk but historically best long-term returns.
FD: 3.9× your money. But interest is taxed at your slab rate (30%). After tax and 6% inflation, you're actually losing 0.32% per year in real terms.
Note: Gold and equity returns are historical averages (20yr CAGR) and not guaranteed. FD rate is current SBI rate. Gold LTCG assumes holding >24 months (physical/digital) or >12 months (ETF). Equity LTCG assumes holding >12 months. Tax rates per Finance Act 2024 (effective 23 July 2024). This is a simplified comparison - actual returns depend on entry timing, market conditions, and individual tax situation.