BanglaInfo.in · Finance Desk · Investing
Mutual Funds & Investing
Where to keep your retirement money, how to grow a SIP, how much tax you'll pay on gains — plain-math answers to the most common questions Bengali investors ask. No magic formulas — just the math, the risk and the rules, laid out clearly.
Detailed Guides
Every guide is verified against official rules and statistics, with worked-out tables
Post Office MIS vs Mutual Fund SWP
The complete math of monthly income on ₹10 lakh — which path wins the fight between safety and inflation, with a side-by-side comparison.
Read TaxationLTCG & STCG Tax Rules
12.5% LTCG, the ₹1.25 lakh annual tax-free exemption, 20% STCG and the new debt-fund rules — with tax harvesting explained.
Read SIP & CompoundingThe 15x15x15 Rule & Compounding
From a ₹15,000 monthly SIP to a ₹1 crore corpus — the real math behind the power of compounding, extended up to 15x15x30.
Read SIP & CompoundingStep-Up SIP Strategy
Increase your SIP as your salary grows and nearly double your corpus over the same period — plain SIP vs top-up SIP compared.
Read Fund SelectionMid Cap vs Flexi Cap Funds
SEBI rules, risk, rolling returns and portfolio allocation — which category fits which kind of investor.
ReadRun the Numbers Yourself
Before you decide, do the math on your own figures — every tool is free
Frequently Asked Questions
Straight answers to the questions investors ask most
Are mutual funds as safe as fixed deposits?
No. Equity mutual funds carry market risk — returns are not guaranteed and even the principal can fall. Debt funds are relatively lower-risk but still not assured. If you want FD-like certainty, compare with Post Office MIS or an FD first — the first guide works through the full math.
How much do I need to start a SIP?
Most funds let you start a SIP with as little as ₹500 a month. What matters is not the amount — it is consistency and time. The 15x15x15 rule guide shows how ₹15,000 a month can grow to nearly ₹1 crore in 15 years (at an assumed 12% annual return).
How much tax do I pay on mutual fund gains?
For equity funds, units held over one year are taxed at 12.5% LTCG — the first ₹1.25 lakh of gains each year is tax-free. Units sold within a year attract 20% STCG. These rules apply from the 2024 Budget — the taxation guide has the detailed working.
What is an SWP and who is it for?
An SWP (Systematic Withdrawal Plan) is the reverse of a SIP — you build a corpus first, then withdraw a fixed amount every month from it. It is a popular method for post-retirement monthly income. Use the SWP calculator to compare it with Post Office MIS.
Are the calculations on this page investment advice?
No. All figures are illustrative estimates shown as educational examples. Actual returns will differ with market movements. Read the scheme information document before investing and consult an AMFI-registered adviser if needed.