Same SIP discipline, two different shapes. One trims the tax on a normal equity SIP; the other trims the risk by keeping your capital out of the market. Pick a tab below to see the numbers on your own amount.
Tax-Smart SIP Plan
Book up to ₹1.25 lakh of profit tax-free every financial year instead of paying it all in one bill at exit — same SIP, same market, less tax.
Bond + SIP Plan
Your capital sits in a fixed-return bond. Only its monthly interest rides the market through a SIP — a smaller, steadier way to invest.
₹1.49 lakh of tax, or ₹50k: we handle the difference.
A ₹15,000 monthly SIP in the Nifty 50 from Aug 2016 to Jul 2026 grew from ₹18 lakh invested to ₹31.2 lakh. This is the tax on that profit, with and without a plan.
Tax quietly takes about 11–12% of your profit.
Most investors only find out when they redeem: ten years of SIPs, one big tax bill at the end, and nobody planned for it.
We plan the tax for you, every year.
Our tax-smart SIP and lumpsum plans are built to cut that bill, with no extra fee from us for the tax planning.
Monthly SIP: same amount every month for 10 years (Aug 2016 – Jul 2026)
You invest a fixed amount every month for 10 years. Here is the tax on the profit, without a plan and with ours.
| Plan | Grows to | Tax: without plan / with our plan | Tax cut | You keep |
|---|---|---|---|---|
| ₹15,000 SIP₹18 L invested | ₹31.2 L | ₹1.49 L → ₹0.50 L |
66%typical 43% | ₹0.99 L |
| ₹20,000 SIP₹24 L invested | ₹41.6 L | ₹2.04 L → ₹1.02 L |
50%typical 34% | ₹1.02 L |
| ₹25,000 SIP₹30 L invested | ₹52.0 L | ₹2.59 L → ₹1.55 L |
40%typical 29% | ₹1.04 L |
Lumpsum: invested once, held for 10 years (Aug 2016 – Jul 2026)
You invest once, on day one, and hold for 10 years. Here is the tax on the profit, without a plan and with ours.
| Plan | Grows to | Tax: without plan / with our plan | Tax cut | You keep |
|---|---|---|---|---|
| ₹5 L lumpsuminvested once | ₹14.1 L | ₹0.98 L → ₹0.07 L |
93%typical 72% | ₹0.91 L |
| ₹10 L lumpsuminvested once | ₹28.2 L | ₹2.12 L → ₹0.89 L |
58%typical 44% | ₹1.24 L |
| ₹15 L lumpsuminvested once | ₹42.4 L | ₹3.26 L → ₹1.98 L |
39%typical 31% | ₹1.28 L |
We help you save this tax, with no extra fee from us for the tax planning.
Instead of putting your money straight into the market, it stays parked in a fixed-return bond. Only the bond's monthly interest goes into an equity SIP — so your original amount is never at the market's mercy, and only the interest rides the ups and downs. Enter any amount below to see exactly how that compares to a fixed deposit, a plain SIP, or investing it all as a lumpsum.
Try your own numbers
| Plan | Final wealth | Profit | Return on capital | CAGR |
|---|
Return is only half the story
| Plan | Market risk | Is your principal in the market? | Getting your money out |
|---|
How often Bond + SIP comes out ahead
Liquidity: your principal is not waiting for the market
In equity, exit day sets the price
If you need cash while the market is down, you sell at a loss or wait for it to recover. There is no other choice.
In a bond, you can sell when you need to
A listed bond can be sold in the market at any time, subject to a buyer being available. You are not tied to an equity recovery.
But the right bond matters
Bonds carry credit risk, and a weak issuer is harder to sell. That is why the bond you pick, and who watches it, decides how safe this really is.
Where we come in
Matched to your risk appetite: issuer strength, rating and yield, not the highest coupon.
We track ratings, issuer news and price moves, and tell you early if something changes.
The monthly interest flows into your equity SIP with nothing for you to remember.
In an emergency we handle the sale and find a buyer, as fast as the market allows.
As your goals or age change, we shift the mix between bond and equity.
Tell us your amount and your comfort with risk. We will build the plan.