Investment Calculator

Land vs. FD vs. Mutual Fund

Same money, same number of years, three different homes for it. Plug in your own assumptions and see how they compare — honestly, including the costs of buying land.

Illustrative only — not investment advice. Returns are not guaranteed. The rates below are assumptions you can change, not predictions. Past land appreciation in any area does not guarantee future appreciation, and land can also stay flat or fall in value. Speak to a SEBI-registered adviser before investing.

Land vs. FD vs. Mutual Fund

Put the same amount into each for the same number of years and compare where it could end up.

Amount to invest (Rs.)

Years: 10

Assumed land appreciation (% per year)

Land buying costs - stamp duty + registration (%)

Assumed FD interest rate (% per year)

Assumed mutual fund return (CAGR % per year)

All rates above are assumptions, not guarantees. Change them to match your own view.

What ₹10,00,000 could become in 10 years

Land Fixed Deposit Mutual Fund

Land

₹20,07,800

after 7% stamp duty/registration, at 8%/yr

Fixed Deposit

₹19,67,151

at 7%/yr, before tax on interest

Mutual Fund

₹28,39,421

at 11%/yr CAGR, before capital-gains tax

Simple yearly compounding at constant rates. Not included: tax on FD interest and mutual-fund gains, tax on land sale, brokerage/selling costs, and the fact that land is much harder to sell quickly than an FD or a fund. Mutual fund returns vary year to year and can be negative. Real outcomes will differ.

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