Indian Financial Products Guide & Directory (PPF, NPS, FDs, Mutual Funds, SGB)

Asset Directory

Indian Financial Products Directory

Verified Indian financial mathematics, statutory regulations, and step-by-step actionable breakdowns.

Compare Indian Financial Instruments

Transparent analysis of interest yields, lock-ins, EEE tax status, and statutory risks across debt, equity, and protection assets.

Sovereign Backed7.1% p.a.

Public Provident Fund (PPF)

India's premier sovereign-backed EEE long-term wealth accumulator

Lock-in Tenure:15 Years (Partial after 5 yrs)

Risk Profile:Zero Risk

Tax Status:EEE

💡 Zero-risk long term debt allocation, children higher education fund, and tax-free retirement corpus building.View Details →

PFRDA Regulated9.5% - 11.5% p.a.

National Pension System (NPS)

Low-cost market-linked retirement engine governed by PFRDA

Lock-in Tenure:Till Age 60

Risk Profile:Moderate Risk

Tax Status:EET

💡 Salaried and self-employed professionals wanting structured retirement planning + extra ₹50k tax savings.View Details →

Core Equity12.0% - 14.0% CAGR

Nifty 50 Index Mutual Funds & ETFs

Low-cost passive investment tracking India's top 50 blue-chip market leaders

Lock-in Tenure:None (Open-ended)

Risk Profile:High Risk

Tax Status:LTCG 12.5%

💡 Long-term wealth creation, compounding retirement corpora, and core equity allocation for any investor.View Details →

RBI SovereignGold Appreciation + 2.5% p.a.

Sovereign Gold Bonds (SGB)

RBI-issued sovereign securities tracking 24K gold with 2.5% annual cash interest

Lock-in Tenure:8 Years (Exit option after 5 yrs)

Risk Profile:Low Risk

Tax Status:EEE

💡 Investors seeking 5%-10% portfolio gold hedge, wedding planning over 5-8 years, and tax-free gold compounding.View Details →

Non-NegotiablePure Mortality Cover

Pure Term Life Insurance

Maximum financial protection for your dependents at lowest cost

Lock-in Tenure:Contract Tenure (e.g. Till Age 65)

Risk Profile:Zero Risk

Tax Status:Tax-Free 10(10D)

💡 Every earning adult with financial dependents, mortgages, or long-term family liabilities.View Details →

Medical ShieldMedical Expense Protection

Super Top-Up Health Insurance

High-value catastrophic medical cover with deductible cost-efficiency

Lock-in Tenure:Annual Renewal

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Every family seeking high ₹50L+ medical cushion without paying hefty base insurance premiums.View Details →

Multi-Cap Growth13.0% - 15.0% CAGR

Flexi-Cap Mutual Funds

Dynamic market capitalization allocation across Large, Mid, and Small caps

Lock-in Tenure:None (Open-ended)

Risk Profile:High Risk

Tax Status:LTCG 12.5%

💡 Core equity allocation for investors with a 5+ year time horizon wanting active alpha generation.View Details →

Tax Saver12.5% - 14.5% CAGR

ELSS Tax Saver Mutual Funds

Shortest 3-year lock-in Section 80C wealth compounder

Lock-in Tenure:3 Years (Shortest among 80C)

Risk Profile:High Risk

Tax Status:LTCG 12.5%

💡 Taxpayers continuing under Old Tax Regime seeking high-growth equity allocation.View Details →

Guaranteed Return6.5% - 7.5% p.a. (8.0% Seniors)

Bank Fixed Deposits (FD)

High predictability, quarterly compounding, and DICGC ₹5 Lakh safety

Lock-in Tenure:7 Days to 10 Years

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Emergency funds, near-term goals (< 3 years), senior citizen income, and ultra-safe capital preservation.View Details →

Disciplined Savings6.5% - 7.2% p.a.

Bank Recurring Deposits (RD)

Disciplined monthly fixed savings with guaranteed bank interest

Lock-in Tenure:6 Months to 10 Years

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Short-term targeted goals like annual insurance premiums, festive expenses, or holiday trips within 1-2 years.View Details →

Girl Child 8.2%8.2% p.a.

Sukanya Samriddhi Yojana (SSY)

High-yield 8.2% sovereign EEE scheme for your girl child's future

Lock-in Tenure:21 Years (Partial at 18)

Risk Profile:Zero Risk

Tax Status:EEE

💡 Parents planning guaranteed funding for their daughter's college education and life milestones.View Details →

Retiree Income 8.2%8.2% p.a. (Paid Quarterly)

Senior Citizen Savings Scheme (SCSS)

Government-backed 8.2% quarterly pension income for retirees

Lock-in Tenure:5 Years (Extendable by 3 yrs)

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Retirees seeking high, guaranteed, sovereign-backed quarterly cash flow for daily expenses.View Details →

Monthly Pension7.4% p.a. (Paid Monthly)

Post Office Monthly Income Scheme (POMIS)

Government-backed steady monthly interest payout scheme

Lock-in Tenure:5 Years

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Conservative earners and retirees looking for monthly cash flow to cover fixed utility and living bills.View Details →

EPFO Backed8.25% p.a.

Employees' Provident Fund (EPF)

Mandatory corporate retirement pillar with 8.25% sovereign interest

Lock-in Tenure:Till Retirement / Job Transition

Risk Profile:Zero Risk

Tax Status:EEE

💡 All corporate salaried employees building their primary retirement safety net.View Details →

Tax-Smart Cash6.8% - 7.5% p.a.

Arbitrage Mutual Funds

Low-risk debt alternative with favorable equity taxation benefits

Lock-in Tenure:None (Exit load within 15-30 days)

Risk Profile:Low Risk

Tax Status:LTCG 12.5%

💡 High-income earners (20%-30% tax slab) parking surplus cash for 3 to 12 months.View Details →

Aggressive Alpha15.0% - 18.0% CAGR

Small-Cap Mutual Funds

High-octane growth investing in India's emerging small enterprises

Lock-in Tenure:None (Open-ended)

Risk Profile:High Risk

Tax Status:LTCG 12.5%

💡 Young investors with 7-15 year time horizons seeking high wealth expansion.View Details →

Wealth Maximizer1.0% - 1.5% Higher Annual Returns

Direct vs Regular Mutual Funds

How cutting distributor commissions creates 25% more retirement wealth

Lock-in Tenure:Scheme Dependent

Risk Profile:Low Risk

Tax Status:LTCG 12.5%

💡 Every mutual fund investor who wants 100% of their investment returns without broker leakage.View Details →

Family ShieldComprehensive Health Cover

Family Floater Health Insurance

Consolidated medical hospitalization umbrella for the entire family

Lock-in Tenure:Annual / Multi-Year Renewal

Risk Profile:Zero Risk

Tax Status:Taxable as Slab

💡 Nuclear families looking for unified, high-quality medical hospitalization security.View Details →