Finance Articles
Personal Finance Blog - Moneyexcel
Stock Market - Search For Stock Price Below
^BSESNS&P BSE SENSEX
₹ 81,592.45
BSE₹ 286.95
0.35%^NSEINIFTY 50
₹ 25,144.30
NSE₹ 110.80
0.44%Prices are sourced from the Yahoo Finance API, may be delayed, and are for informational purposes only—not for trading.
LIVE RETURNS · 7 CATEGORIES · 35 FUNDS
Best Mutual Funds 2026
| Rank ⇅ | Scheme Name ⇅ | NAV (₹) ⇅ | 1Y CAGR ⇅ | 3Y CAGR ⇅ | 5Y CAGR ⇅ | 10Y CAGR ⇅ | Exp. Ratio ⇅ | As on Date ⇅ |
|---|---|---|---|---|---|---|---|---|
| 1 | Nippon India Large Cap Fund | ₹104.12 | -0.52% | 13.13% | 12.94% | 15.03% | 0.85% | 13-11-2026 |
| 2 | Invesco India Large Cap Fund | ₹92.06 | 6.69% | 16.39% | 11.49% | 14.99% | 0.90% | 13-11-2026 |
| 4 | Bandhan Large Cap Fund | ₹95.78 | 3.97% | 15.34% | 10.73% | 14.13% | 0.85% | 13-11-2026 |
| 3 | ICICI Prudential Large Cap Fund | ₹123.25 | -2.52% | 12.56% | 11.06% | 14.30% | 0.89% | 13-11-2026 |
| 6 | SBI Bluechip / Large Cap Fund | ₹107.59 | 1.87% | 11.44% | 9.29% | 13.01% | 0.86% | 13-11-2026 |
| 10 | HDFC Top 100 Fund | ₹35.26 | 3.42% | 6.82% | 6.16% | 7.11% | 1.09% | 13-11-2026 |
| 5 | Canara Robeco Large Cap Fund | ₹75.75 | 1.08% | 13.06% | 9.68% | 15.08% | 0.51% | 13-11-2026 |
| 8 | Kotak Bluechip Fund | ₹177.16 | -2.02% | 9.97% | 7.81% | 12.78% | 0.62% | 13-11-2026 |
| 7 | Mirae Asset Large Cap Fund | ₹133.03 | 0.66% | 11.53% | 8.36% | 13.58% | 0.54% | 13-11-2026 |
| 9 | Baroda BNP Paribas Large Cap | ₹246.20 | -2.12% | 9.90% | 7.76% | 12.72% | 0.88% | 13-11-2026 |
| 6 | Parag Parikh Flexi Cap Fund | ₹94.26 | 0.27% | 12.97% | 11.56% | 17.59% | 0.63% | 13-11-2026 |
| 1 | Motilal Oswal Midcap Fund | ₹123.07 | 3.93% | 19.03% | 19.37% | 18.37% | 0.93 | 13-11-2026 |
| 1 | HDFC Flexi Cap Fund | ₹2,363.76 | 4.38% | 17.72% | 16.70% | 16.56% | 0.79% | 13-11-2026 |
| 5 | Aditya Birla Sun Life Flexi Cap | ₹2,268.84 | 8.28% | 16.88% | 11.83% | 14.50% | 0.84% | 13-11-2026 |
| 9 | JM Flexicap Fund | ₹77.42 | 1.29% | 7.88% | 6.91% | 8.07% | 0.45% | 13-11-2026 |
| 7 | Franklin India Flexi Cap Fund | ₹1,845.73 | -0.99% | 12.19% | 10.95% | 14.21% | 0.94% | 13-11-2026 |
| 8 | Canara Robeco Flexi Cap Fund | ₹406.65 | 3.15% | 13.89% | 9.94% | 15.50% | 0.58% | 13-11-2026 |
| 10 | Kotak Flexicap Fund | ₹100.40 | 1.56% | 6.30% | 5.26% | 6.55% | 0.61% | 13-11-2026 |
| 6 | Nippon India Growth Fund | ₹4,943.87 | 5.49% | 16.99% | 16.55% | 18.50% | 0.86% | 13-11-2026 |
| 4 | Edelweiss Mid Cap Fund | ₹127.61 | 4.89% | 19.42% | 17.03% | N/A | 0.41% | 13-11-2026 |
| 8 | Tata Mid Cap Growth Fund | ₹534.64 | 4.63% | 14.64% | 14.15% | 17.20% | 0.83% | 13-11-2026 |
| 5 | Canara Robeco Mid Cap Fund | ₹19.53 | 7.13% | 16.88% | N/A | N/A | 0.62% | 13-11-2026 |
| 4 | Quant Small Cap Fund | ₹313.42 | 10.70% | 16.00% | 17.06% | 20.51% | 0.76% | 13-11-2026 |
| 3 | Nippon India Small Cap Fund | ₹204.24 | 7.00% | 13.65% | 17.13% | 20.79% | 0.68% | 13-11-2026 |
| 2 | Bandhan Small Cap Fund | ₹57.08 | 9.26% | 22.38% | 19.28% | N/A | 0.40% | 13-11-2026 |
| 2 | ICICI Pru Multi-Asset Fund | ₹897.69 | 0.73% | 14.22% | 14.45% | 15.66% | 0.91% | 13-11-2026 |
| 7 | Kotak Balanced Advantage Fund | ₹36.22 | 4.59% | 7.16% | 6.53% | 6.27% | 0.51% | 13-11-2026 |
| 3 | Nippon India Multi Asset Fund | ₹26.86 | 6.60% | 18.25% | 14.30% | N/A | 0.48% | 13-11-2026 |
| 6 | Canara Robeco Equity Hybrid | ₹436.19 | 4.00% | 12.37% | 9.80% | 13.34% | 0.61% | 13-11-2026 |
| 5 | Mirae Asset Aggressive Hybrid | ₹41.03 | 5.61% | 13.06% | 10.18% | 13.83% | 0.59% | 13-11-2026 |
| 3 | Mirae Asset ELSS Tax Saver | ₹58.60 | 1.34% | 13.90% | 10.59% | 17.09% | 0.65% | 13-11-2026 |
| 4 | Canara Robeco ELSS Tax Saver | ₹209.71 | 3.66% | 13.33% | 10.11% | 15.83% | 0.64% | 13-11-2026 |
| 5 | Axis ELSS Tax Saver Fund | ₹116.13 | 4.22% | 12.68% | 6.35% | 13.39% | 0.88% | 13-11-2026 |
| 5 | Franklin Asian Equity Fund | ₹46.84 | 21.02% | 21.76% | 7.29% | 10.62% | 1.24% | 13-11-2026 |
| 3 | Edelweiss US Technology FoF | ₹35.84 | 5.13% | 24.87% | 10.56% | N/A | 0.59% | 13-11-2026 |
| 2 | ICICI Pru US Bluechip Equity | ₹94.82 | 22.89% | 20.54% | 13.38% | 16.84% | 1.12% | 13-11-2026 |
| 1 | DSP US Flexible Equity FoF | ₹99.69 | 22.09% | 27.29% | 17.42% | 18.45% | 0.84% | 13-11-2026 |
| 3 | ICICI Prudential Flexi Cap Fund | ₹22.31 | 7.16% | 16.97% | 14.88% | N/A | 0.88 | 13-11-2026 |
| 4 | Quant Flexi Cap Fund | ₹122.75 | 10.10% | 15.75% | 14.09% | 19.44% | 0.62 | 13-11-2026 |
| 3 | HDFC Mid Cap Fund | ₹229.70 | 2.38% | 16.02% | 17.55% | 17.58% | 0.60 | 13-11-2026 |
| 9 | SBI Small Cap Fund | ₹210.17 | 6.93% | 11.57% | 11.99% | 18.28% | 0.81 | 13-11-2026 |
| 10 | Kotak Small Cap Fund | ₹320.50 | 5.88% | 11.68% | 10.91% | 17.43% | 0.51 | 13-11-2026 |
| 1 | Quant Multi Asset Allocation Fund | ₹179.91 | 8.86% | 20.97% | 17.78% | 18.36% | 0.6 | 13-11-2026 |
| 4 | ICICI Prudential Aggressive Hybrid Fund | ₹460.29 | 1.31% | 13.79% | 13.56% | 15.58% | 0.79 | 13-11-2026 |
| 2 | Parag Parikh ELSS Tax Saver Fund | ₹32.57 | -5.38% | 9.61% | 10.95% | N/A | 0.65 | 13-11-2026 |
| 1 | Bandhan ELSS Tax Saver Fund | ₹186.41 | 3.09% | 11.76% | 11.03% | 15.96% | 0.63 | 13-11-2026 |
| 4 | Nippon India Japan Equity | ₹29.91 | 18.30% | 20.52% | 9.40% | 10.86% | 1.20 | 13-11-2026 |
| 2 | Bank of India Flexi Cap Fund | ₹43.31 | 11.34% | 18.69% | 16.05% | N/A | 0.49 | 13-11-2026 |
| 2 | Invesco India Mid Cap Fund | ₹247.40 | 10.92% | 23.99% | 18.80% | 20.21% | 0.75 | 13-11-2026 |
| 7 | Kotak Mid Cap Fund | ₹165.97 | 3.54% | 16.22% | 15.10% | 17.85% | 0.54 | 13-11-2026 |
| 9 | Axis Midcap Fund | ₹145.16 | 8.29% | 17.21% | 12.35% | 18.56% | 0.49 | 13-11-2026 |
| 10 | SBI Midcap Fund | ₹264.88 | 0.45% | 10.07% | 11.03% | 14.21% | 0.72 | 13-11-2026 |
| 8 | Tata Small Cap Fund | ₹43.15 | -0.14% | 9.66% | 12.71% | N/A | 0.51 | 13-11-2026 |
| 7 | HDFC Small Cap Fund | ₹156.58 | -3.68% | 9.45% | 13.59% | 17.68% | 0.64 | 13-11-2026 |
| 1 | Invesco India Small Cap Fund | ₹56.51 | 19.88% | 21.41% | 19.70% | N/A | 0.63 | 13-11-2026 |
| 6 | Franklin India Small Cap Fund | ₹197.98 | 2.34% | 10.22% | 13.66% | 15.28% | 1.06 | 13-11-2026 |
| 5 | DSP Small Cap Fund | ₹249.33 | 14.19% | 15.95% | 15.98% | 16.88% | 0.83 | 13-11-2026 |
Top 5 Funds per category by 5-year CAGR · NAV as on 13 Nov 2026 · Direct, Growth
Top Large Cap Funds →
Investing
SIP Calculator
Estimate wealth accumulated through monthly systematic mutual fund investments in India with compounded return projections.
₹
= ₹10,000 (10 thousand)
%
years
Expected future value
₹23,23,391
Invested amount
51.6%Est. returns
48.4%Invested amount₹12,00,000
Estimated returns₹11,23,391
Total value₹23,23,391
Mutual fund investments are subject to market risks. Actual returns may vary depending on scheme performance.
Link copied to clipboard!
₹
= ₹1,00,000 (1 Lakh)
%
years
Expected future value
₹3,10,585
Invested amount₹1,00,000
Estimated returns₹2,10,585
Total value₹3,10,585
Calculated using annual compounding formula: A = P(1 + r)^n.
₹
₹
%
years
Final remaining corpus
₹7,32,014
Total initial investment₹10,00,000
Total withdrawal amount₹9,60,000
Final value₹7,32,014
grams
₹
= ₹6,000 (6 thousand)
₹
= ₹14,950 (14.95 thousand)
Check today's rate for your city and purity (24K or 22K).
years
%
Coins and bars: 0–5%. Jewellery: often 8–25%. Making charges are not paid back when you sell.
Your profit
₹87,700
Gold cost
40.1%Charges & GST
1.2%Profit
58.7%Total cost (incl. charges)₹61,800
Value today₹1,49,500
Profit₹87,700
Absolute return141.91%
Your yearly return (CAGR)34.24%
Gold price growth (CAGR)35.57%
Lost to making charges and GST₹1,800
Selling jewellery to a jeweller may involve further deductions for purity testing or wastage.
Link copied to clipboard!
₹
= ₹50,00,000 (50 Lakh)
years
%
Required Monthly SIP
₹21,521
Total Out-of-Pocket Investment₹25,82,520
Estimated Wealth Gain₹24,17,480
Target Corpus Achieved₹50,00,000
Calculated using reverse annuity formula: P = Target / [(((1+i)^n - 1)/i) * (1+i)].
₹
%
years
Total Maturity Amount
₹1,61,051
Principal Invested₹1,00,000
Total Compound Interest₹61,051
Effective Annual Rate (EAR)10.00%
Formula: A = P(1 + r/n)^(n*t). Compounding frequency directly enhances cumulative wealth growth.
First Purchase
shares
₹
Second Purchase (Averaging Down)
shares
₹
New Average Price
₹408.00
Total Shares Held
Total Capital Invested₹1,02,000
1st Buy Outlay₹45,000
2nd Buy Outlay₹57,000
Average Price = (Total Cost of 1st Buy + Total Cost of 2nd Buy) / Total Quantity.
x
Enter total times the Retail Individual Investors (RII) portion was subscribed.
accounts
Applying 1 lot each from different family members' PANs increases your lottery odds.
Chance of Getting at Least 1 Lot
18.15%
Probability per Single Application6.45% (1 in 15.5)
Allotment ModeSEBI Lottery Basis
Oversubscription StatusOversubscribed (15.5x)
SEBI mandates computerized retail allotment lottery. Applying multiple lots from the same PAN does NOT increase odds.
₹
shares
₹
Estimated Profit per Lot
₹5,400
Estimated Listing Price₹680.00
Expected Listing Gain (%)36.00%
Total Investment per Lot₹15,000
Estimated Total Value at Listing₹20,400
GMP is unofficial and market-driven. Actual listing performance depends on overall market conditions and institutional demand on listing day.
₹
%
years
Maturity value
₹1,42,873
Invested deposit₹1,00,000
Total interest earned₹42,873
Maturity amount₹1,42,873
Calculated assuming quarterly compounding as per Indian scheduled commercial bank standards.
₹
%
years
Maturity Amount
₹3,59,206
Total Invested Amount₹3,00,000
Total Interest Earned₹59,206
Maturity Value₹3,59,206
Calculated using standard quarterly compounding formula followed by Indian banks and Post Office.
₹
Maximum allowable deposit under PPF rules is ₹1.5 Lakh per financial year.
years
%
Maturity value (Tax-Free)
₹40,68,209
Total invested amount₹22,50,000
Total interest earned₹18,18,209
Maturity amount₹40,68,209
PPF enjoys EEE status (Exempt on Investment, Interest, and Maturity) under Section 80C.
₹
Deposits are made for the first 15 years from account opening.
years
%
Maturity Value at 21 Years
₹69,80,183
Total Amount Deposited (15 yrs)₹22,50,000
Total Interest Earned₹47,30,183
Maturity YearAfter 21 Years
Tax Status100% Tax-Free (EEE)
Calculated at 8.2% annual compounding. Interest accrues for the full 21-year term while deposits stop after 15 years.
₹
%
years
Maturity Value at 5 Years
₹1,44,903
Invested Amount₹1,00,000
Total Interest Accrued₹44,903
Section 80C EligibilityYes (Principal + Years 1-4 Interest)
NSC earns 7.7% annual compounding payable upon 5-year maturity with sovereign safety.
₹
%
Exact doubling tenure: 9 years and 7 months (115 months).
Guaranteed Maturity Amount
₹2,00,000
Invested Amount₹1,00,000
Total Gain (100% Guaranteed)₹1,00,000
Premature Exit AllowedAfter 2.5 Years (30 Months)
KVP guarantees doubling of principal invested at 7.5% p.a. backed by the Government of India.
₹
Limit: Single Account ₹9 Lakh | Joint Account ₹15 Lakh.
%
years
Guaranteed Monthly Income
₹5,550
Total Annual Interest Payout₹66,600
Total 5-Year Income Earned₹3,33,000
Principal Returned at Maturity₹9,00,000
Monthly interest is directly credited to your savings account. Principal is refunded 100% intact after 5 years.
₹
%
years
Monthly loan EMI
₹12,668
Principal loan amount₹10,00,000
Total interest payable₹5,20,109
Total payment (Principal + Int)₹15,20,109
₹
= ₹50,00,000 (50 Lakh)
%
years
Monthly Home Loan EMI
₹43,391
Principal amount
48.0%Total interest
52.0%Principal Loan Amount₹50,00,000
Total Interest Payable₹54,13,879
Total Payment (Principal + Int)₹1,04,13,879
Under the Old Tax Regime, principal repayment qualifies up to ₹1.5L u/s 80C and interest up to ₹2L u/s 24(b).
₹
= ₹8,00,000 (8 Lakh)
%
years
Monthly Car Loan EMI
₹16,685
Principal amount
79.9%Total interest
20.1%Principal Loan Amount₹8,00,000
Total Interest Payable₹2,01,093
Total Payment (Principal + Int)₹10,01,093
Most Indian banks finance 80%–90% of the vehicle on-road price for tenures between 1 and 7 years.
₹
= ₹3,00,000 (3 Lakh)
%
years
Monthly Personal Loan EMI
₹9,893
Principal amount
84.2%Total interest
15.8%Principal Loan Amount₹3,00,000
Total Interest Payable₹56,141
Total Payment (Principal + Int)₹3,56,141
Unsecured personal loans generally carry 10.5%–18% interest rates with tenures from 12 to 60 months.
₹
₹
%
years
Maximum Eligible Loan Amount
₹34,56,712
Permissible Monthly EMI Capacity₹30,00,000
Total Repayment Over Tenure₹72,00,000
Total Interest Payable₹37,43,288
Calculated assuming a standard banking FOIR (Fixed Obligation to Income Ratio) of 50%.
₹
%
years
₹
Total Interest Saved
₹4,68,912
Current Monthly EMI₹29,542
Tenure Reduced By28 Months (2.3 Yrs)
New Remaining Tenure12.7 Years
Prepaying principal early cuts the compounded interest stream significantly over the amortization lifetime.
₹
Loan Offer 1
%
years
Loan Offer 2
%
years
Comparison Verdict
Offer 1 Saves ₹1,42,824
Offer 1 Monthly EMI₹26,035
Offer 2 Monthly EMI₹26,630
Offer 1 Total Interest₹32,48,327
Offer 2 Total Interest₹33,91,151
Even an 0.25% or 0.30% lower rate yields significant savings over long-tenure home loans.
₹
₹
EPF, PPF, ELSS, Life Insurance premium (Max ₹1.5 Lakh).
₹
₹
Recommended Tax Choice (FY 2026-27)
New Regime Saves ₹61,100
Tax under New Regime (u/s 115BAC)₹97,500
Tax under Old Regime₹1,58,600
Standard Deduction Applied₹75,000 (New) / ₹50,000 (Old)
Sec 87A Tax Rebate (New Regime)Zero tax up to ₹12.75L salary
FY 2026-27 New Regime slabs: 0-4L Nil, 4-8L 5%, 8-12L 10%, 12-16L 15%, 16-20L 20%, 20-24L 25%, >24L 30% + 4% Cess.
₹
₹
₹
Exempted HRA (Tax-Free)
₹1,56,000
Tax-Exempt HRA Amount₹1,56,000
Taxable HRA Amount₹84,000
Rent paid over 10% of salary₹1,56,000
50% / 40% of Basic Salary₹3,00,000
Calculated under Section 10(13A) Rule 2A as the minimum of actual HRA, rent minus 10% basic, or 50%/40% of basic.
₹
Total Invoice Amount
₹11,800
Net / Base Price₹10,000
Total GST Amount₹1,800
CGST (Central Tax 50%)₹900
SGST / UTGST (State Tax 50%)₹900
For interstate sales, Integrated GST (IGST) is charged at the full combined rate (100%).
₹
%
₹
Monthly In-Hand / Take-Home
₹1,05,570
Gross Monthly Salary₹1,19,000
Employee PF Deduction (12% of Basic)₹6,000
Employer PF in CTC (12% of Basic)₹6,000
Estimated Monthly TDS (FY 2026-27 New Regime)₹7,230
Net take-home reflects monthly salary credited after employee PF, employer PF part of CTC, PT, and FY 2026-27 TDS deductions.
years
years
₹
%
Required Retirement Corpus
₹4,68,91,240
Monthly Expense at Retirement₹2,29,740
Required Monthly SIP from Today₹13,284
Assumed Post-Retirement Return8.0% p.a. (Debt/Hybrid)
Calculates inflation escalation till retirement and capital preservation during post-retirement life expectancy (85 years).
₹
years
Superannuation retirement age is standard 60 years.
%
%
Total NPS Corpus at Age 60
₹2,27,93,642
Total Invested Amount₹36,00,000
Tax-Free Lump-Sum Withdrawal (60%)₹1,36,76,185
Annuity Reinvestment (40%)₹91,17,457
Estimated Monthly Pension (at 6% Annuity)₹45,587
60% of the maturity corpus is completely tax-free under Section 10(12A). The remaining 40% generates regular monthly pension.
₹
years
%
%
Accumulated EPF Corpus at 58
₹1,24,67,819
Your Total Contribution (12%)
Employer EPF Share (3.67%)
Total Compound Interest Earned₹68,68,042
Employer contributes 12% total: 3.67% to EPF and 8.33% (up to wage ceiling) diverted to Employees Pension Scheme (EPS).
₹
years
Gratuity is payable after completing a minimum of 5 continuous years of service.
Statutory Gratuity Amount
₹4,50,000
Calculation Formula(15 × Basic × Years) / 26
Government Statutory Tax-Free Limit₹20,00,000
Taxability100% Tax-Free
Calculated as per the Payment of Gratuity Act, 1972 using 26 working days per month convention.
₹
Maximum deposit limit under SCSS rules is ₹30 Lakh.
%
years
Quarterly Interest Income
₹30,750
Annual Interest Payout₹1,23,000
Total 5-Year Interest Earned₹6,15,000
Principal Returned at 5 Yrs₹15,00,000
Interest is paid out on the first day of April, July, October, and January directly into the investor's bank account.
₹
%
years
Future Cost of the Same Item
₹1,19,828
Current Cost₹50,000
Increase Due to Inflation₹69,828
Future Purchasing Power of Today's ₹1 Lakh₹41,727
Calculated using compound expansion formula: Future Value = Present Value × (1 + Inflation)^Years.