After-tax return comparison

Investment Comparison Calculator

Compare what mutual funds, FDR, DPS and Sanchayapatra actually put in your pocket, after tax on the interest.

How would you invest?

A single amount invested today and left to grow for the full term, compared against an FDR and a Sanchayapatra certificate.

Choose a mutual fund

Fund type

Fund name

Investment details

Lump sum amount

Years to grow

1 year10 years30 years

Your income tax bracket

Interest from a DPS, an FDR or a Sanchayapatra certificate is taxed at your marginal slab rate. Mutual fund gains are not.

Instrument rates

FDR rate

Average tier 1 banks rates are considered.

Sanchayapatra rate

Varies by certificate type and investment size. Editable.

Mutual fund CAGR

Calculated by Bini.

Disclaimer: Sanchayapatra profit is paid out, not compounded. FDR is assumed renewed yearly. Interest on both is taxed yearly at your slab rate. Mutual funds carry no capital gains tax for individuals. Rates are held constant. Illustration only, not a forecast or tax advice.

Best after-tax return

Mutual fund

Final value: ৳ 18,26,154
Duration: 10 years
More than FDR: ৳ 6,95,662

Growth over timeMutual fundFDRSanchayapatra

StartYear 10

Illustration only. The line is smooth because it assumes a constant return. In real life you will see ups and downs along the way, which is normal for long-term investing. Returns are not guaranteed and past performance does not indicate future results.

Best option
Mutual fund
Compounded, no capital gains tax
৳ 18,26,154
Investment amount
৳ 5,00,000
Gain
৳ 13,26,154
Headline rate
13.83%
Effective annual rate
13.83%
Runners up
FDR
After-tax rate compounds each year
৳ 11,30,492
Investment amount
৳ 5,00,000
Gain
৳ 6,30,492
Headline rate
8.50%
Effective annual rate
8.50%
Sanchayapatra
Simple interest, taxed at slab rate
৳ 10,91,500
Investment amount
৳ 5,00,000
Gain
৳ 5,91,500
Headline rate
11.83%
Effective annual rate
8.12%