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About this tool
Compare lumpsum vs SIP, direct vs regular mutual fund plans, cumulative vs non-cumulative FD, digital vs physical gold, UPS vs NPS, simple vs compound interest, flat vs reducing rates and 80TTA vs 80TTB.
Pick the comparison, enter the same amount and period for both and see which comes out ahead. This page brings together 8 separate investment comparison tool pages (80TTA vs 80TTB, Cumulative vs non-cumulative FD, Digital vs physical gold, Direct vs regular plan, Flat vs reducing rate, Lumpsum vs SIP, Simple vs compound interest, UPS vs NPS) so you can compare them without hunting for the right one.
Open Investment Comparison Tool on AltFTool — it loads instantly in your browser.
Choose your comparison at the top: 80TTA vs 80TTB, Cumulative vs non-cumulative FD, Digital vs physical gold, Direct vs regular plan and 4 more. On a phone it is a drop-down list.
Fill in the investment comparison tool for that comparison; each of the 8 options keeps its own rules, data and defaults.
Read the result, then switch comparison to compare. The page link keeps your comparison (?v=80tta-vs-80ttb), so you can bookmark or share it.
80TTA vs 80TTB, Cumulative vs non-cumulative FD, Digital vs physical gold and the rest sit behind one picker, so switching comparison takes a tap instead of a new search.
Every comparison keeps its own rules, numbers and defaults rather than one generic template.
The link remembers the comparison you picked, so a bookmark or a shared link opens straight on it.
8: 80TTA vs 80TTB, Cumulative vs non-cumulative FD, Digital vs physical gold, Direct vs regular plan, Flat vs reducing rate, Lumpsum vs SIP, Simple vs compound interest, UPS vs NPS. Pick one at the top of the tool; the page link updates (for example ?v=80tta-vs-80ttb) so you can bookmark or share that exact view.
80TTA gives up to Rs 10,000 on savings-account interest to individuals and HUFs below 60. 80TTB gives resident senior citizens up to Rs 50,000 and also covers fixed and recurring deposit interest.
A cumulative deposit keeps the interest inside the deposit so it compounds and everything is paid at maturity. A non-cumulative deposit pays interest out at a chosen frequency and returns only the principal at maturity, so the total received is lower unless the payouts are reinvested.
3% on the invoice value — 1.5% CGST plus 1.5% SGST. On jewellery supplied as a composite supply the 3% applies to the gold and the making charge together, so a ₹1.4 lakh purchase with ₹16,800 of making attracts roughly ₹4,700 of GST. Exchange-traded gold carries no GST on the metal itself, only 18% GST on brokerage.
For an actively managed equity fund the gap is usually 0.7 to 1.2 percentage points of TER a year — for example 0.6% direct against 1.75% regular. On index funds the absolute gap is smaller but often a bigger share of the expected return.
No, and the difference is large. A flat rate is charged on the original principal every month even though you have already repaid part of it, so a flat rate is usually close to twice its reducing-balance equivalent — roughly 8% flat behaves like about 14% reducing over five years.
At a constant assumed return the lumpsum always wins, because the whole amount compounds from day one while SIP instalments arrive late. Real markets are not constant, so a SIP can beat a lumpsum if prices fall after you invest.
Simple interest is calculated only on the original principal, so it adds the same amount every year. Compound interest is calculated on the principal plus the interest already credited, so each year's interest is larger than the last. On Rs 1,00,000 at 10% for 10 years the difference is Rs 59,374 — Rs 2,00,000 against Rs 2,59,374.
50% of the average basic pay drawn over the last twelve months before superannuation, payable after 25 years of qualifying service. Below 25 years the payout is proportionate — 20 years of service gives 20/25ths, or 40% of average basic pay — and below 10 years no assured payout is admissible. Where service is 10 years or more, an assured minimum of Rs 10,000 a month applies, and Dearness Relief is added on top on the same basis as DA for serving employees. Source: DFS notification F. No. FX-1/3/2024-PR dated 24 January 2025.