100% Free & Open Educationmyfinedu.com is an independent educational portal. We are not SEBI-registered advisers. No paid stock tips or portfolio management.Read Full Disclaimer
myfinedu.com
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 →
Govt Pension SchemeFixed ₹1,000 - ₹5,000 monthly pension

Atal Pension Yojana (APY)

Government-guaranteed monthly pension of ₹1,000 to ₹5,000 for unorganised sector workers

Lock-in Tenure:Till Age 60
Risk Profile:Zero Risk
Tax Status:EET
💡 Gig workers, domestic help, small shop owners and others without employer pension coverage.View Details →
Low-Cost Life Cover₹2 Lakh Life Cover

PM Jeevan Jyoti Bima Yojana (PMJJBY)

₹2 Lakh life cover for just ₹436 per year backed by the Government of India

Lock-in Tenure:1 Year Renewable
Risk Profile:Zero Risk
Tax Status:Tax-Free 10(10D)
💡 A basic safety net on top of, not instead of, a pure term life insurance plan.View Details →
₹20 Accident Cover₹2 Lakh Accident Cover

PM Suraksha Bima Yojana (PMSBY)

₹2 Lakh accidental death and disability cover for only ₹20 a year

Lock-in Tenure:1 Year Renewable
Risk Profile:Zero Risk
Tax Status:Tax-Free 10(10D)
💡 Daily-wage and informal-sector families who need basic accident protection at near-zero cost.View Details →
Doubles Money~7.5% p.a. (doubles in ~115 months)

Kisan Vikas Patra (KVP)

Post office certificate that doubles your money at a fixed government rate

Lock-in Tenure:2.5 Years minimum
Risk Profile:Zero Risk
Tax Status:Taxable as Slab
💡 Conservative investors in low tax brackets with a lump sum to park safely.View Details →
80C Eligible~7.7% p.a. compounded annually

National Savings Certificate (NSC)

5-year post office savings certificate with Section 80C deduction

Lock-in Tenure:5 Years
Risk Profile:Zero Risk
Tax Status:Taxable as Slab
💡 Salaried taxpayers in the Old Regime seeking a safe 80C option.View Details →
Sovereign FD6.9% - 7.5% p.a.

Post Office Time Deposit (POTD)

Government-backed fixed deposit with 1, 2, 3 and 5-year tenures

Lock-in Tenure:1 - 5 Years
Risk Profile:Zero Risk
Tax Status:Taxable as Slab
💡 Risk-averse savers who want sovereign safety with predictable returns.View Details →
Emergency Fund6.5% - 7.2% p.a.

Liquid Mutual Funds

Better-than-savings parking place for emergency funds and idle cash

Lock-in Tenure:None (exit load up to 7 days)
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 Emergency corpus, short-term goals under 12 months and idle business cash.View Details →
Ultra-Safe Debt6.0% - 6.8% p.a.

Overnight Mutual Funds

Lowest-risk mutual fund category that lends for one night at a time

Lock-in Tenure:None
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 Parking money for days or weeks, or as a safe stop between STP transfers.View Details →
Debt Allocation6.8% - 7.8% p.a.

Short Duration Debt Mutual Funds

Stable 1-3 year debt allocation with moderate yield

Lock-in Tenure:None
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 Goals 2-4 years away such as a car down payment or higher education fee.View Details →
Paper Gold8% - 11% CAGR (long-term avg.)

Gold ETFs & Gold Mutual Funds

Buy digital gold units on the stock exchange or via SIP without storage worries

Lock-in Tenure:None
Risk Profile:Moderate Risk
Tax Status:LTCG 12.5%
💡 Portfolio diversification with 5-10% allocation to gold.View Details →
Rental Income6% - 8% yield + appreciation

REITs (Real Estate Investment Trusts)

Own a share of income-producing office and retail real estate from ₹300 a unit

Lock-in Tenure:None
Risk Profile:Moderate Risk
Tax Status:Taxable as Slab
💡 Investors who want real-estate exposure without large capital or management hassle.View Details →
Infra Income8% - 11% distribution yield

InvITs (Infrastructure Investment Trusts)

Earn distributions from roads, power transmission and pipelines

Lock-in Tenure:None
Risk Profile:Moderate Risk
Tax Status:Taxable as Slab
💡 Income-seeking investors comfortable with moderate risk.View Details →
Blue-Chip Equity11% - 13% CAGR (long-term)

Large Cap Mutual Funds

Stable equity exposure to India's top 100 companies by market capitalisation

Lock-in Tenure:None
Risk Profile:High Risk
Tax Status:LTCG 12.5%
💡 First-time equity investors with a 5+ year horizon.View Details →
Growth Equity13% - 16% CAGR (long-term)

Mid Cap Mutual Funds

Growth-focused equity exposure to India's emerging 101st-250th companies

Lock-in Tenure:None
Risk Profile:High Risk
Tax Status:LTCG 12.5%
💡 Investors with 7-10 year horizon and high risk tolerance.View Details →
Dynamic Hybrid9% - 11% CAGR

Balanced Advantage Funds (BAF)

Dynamic equity-debt allocation that adjusts automatically with market valuations

Lock-in Tenure:None
Risk Profile:Moderate Risk
Tax Status:LTCG 12.5%
💡 Conservative-to-moderate investors and first-timers who fear market crashes.View Details →
All-in-One Portfolio10% - 12% CAGR

Multi Asset Allocation Funds

One fund holding equity, debt and gold together

Lock-in Tenure:None
Risk Profile:Moderate Risk
Tax Status:LTCG 12.5%
💡 Hands-off investors wanting a complete portfolio in one fund.View Details →
Global Diversification10% - 14% CAGR (USD, long-term)

International / US Equity Funds

Diversify beyond India with exposure to Nasdaq 100, S&P 500 and global leaders

Lock-in Tenure:None
Risk Profile:High Risk
Tax Status:Taxable as Slab
💡 Long-term investors seeking 10-20% global allocation.View Details →
High-Quality Debt7% - 8% p.a.

Corporate Bond Funds

Debt funds investing at least 80% in AA+ and above rated bonds

Lock-in Tenure:None
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 Investors seeking steady debt returns for medium-term goals.View Details →
Extra Interest7.0% - 8.0% p.a.

Senior Citizen Fixed Deposits

Higher FD interest of 0.25% - 0.75% extra for investors aged 60 and above

Lock-in Tenure:7 days to 10 years
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 Retirees seeking safe monthly income.View Details →
Tax-Free Interest5.0% - 5.7% tax-free yield

Tax-Free Bonds

Long-term bonds issued by PSUs whose interest is exempt from income tax

Lock-in Tenure:10 - 20 years (tradable)
Risk Profile:Low Risk
Tax Status:Taxable as Slab
💡 High-income investors seeking safe tax-free fixed income.View Details →
RBI BackedNSC rate + 0.35% (reset half-yearly)

RBI Floating Rate Savings Bonds (FRSB)

7-year sovereign bond with interest reset every six months

Lock-in Tenure:7 Years
Risk Profile:Zero Risk
Tax Status:Taxable as Slab
💡 Retirees and conservative investors who want inflation-linked sovereign income.View Details →
Zero Credit Risk6.5% - 7.5% yield

Government Securities (G-Secs) via RBI Retail Direct

Buy sovereign bonds and T-bills directly from RBI with zero commission

Lock-in Tenure:91 days to 40 years (tradable)
Risk Profile:Zero Risk
Tax Status:Taxable as Slab
💡 Safety-first investors and retirees building a bond ladder.View Details →
Premium RefundPremiums returned at maturity (0% growth)

Term Insurance with Return of Premium (TROP)

Life cover that refunds premiums if you outlive the policy

Lock-in Tenure:Policy term (20-40 yrs)
Risk Profile:Zero Risk
Tax Status:Tax-Free 10(10D)
💡 Risk-averse buyers who psychologically need a refund, with a sufficient cover.View Details →
Lump-Sum PayoutFixed lump-sum benefit

Critical Illness Insurance

Lump-sum payout on diagnosis of cancer, heart attack, stroke and other major diseases

Lock-in Tenure:Annual / Multi-Year Renewal
Risk Profile:Zero Risk
Tax Status:Tax-Free 10(10D)
💡 Primary earners aged 30-50 with family dependents.View Details →
Child Pension9% - 12% p.a. (market-linked)

NPS Vatsalya

Start a retirement corpus for your child from birth

Lock-in Tenure:Till Age 18 (partial) / 60
Risk Profile:Moderate Risk
Tax Status:EET
💡 Parents who want to give their child a head start for retirement.View Details →