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Returns Estimator

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Seven SEBI / IFSCA-regulated investment vehicles — tailored for growth, retirement, and global diversification. Click any scheme to calculate your personalised returns.

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Serving 5,000+ clients since 2005 — from SIPs to GIFT City. Select any scheme, enter your amount, and see exactly where your money can go.
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SIP
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Bank FD
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Invested
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★ AMFI rates: 8%, 10%, 12% p.a. · Illustrative, not guaranteed · Param Investments ARN-107330
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Investment amount (₹)
Investment period 5 years
1 yr20 yrs
Expected return rate 12% p.a.
1% 12% 30%
Risk appetite
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Growth projection
Estimated value over time vs. alternatives
Scheme
FD 6.5%
Inflation 6%
Side-by-side comparison
📋 AMFI Best Practices Guidelines Circular No. 135/BP/109/2023-24 — Illustration Rate Guidelines

As mandated by AMFI and SEBI, standardised illustration rates of 8%, 10% and 12% p.a. must be used in all regulated mutual fund communications. Returns shown at other rates are for scenario analysis only and do not represent guaranteed or expected returns.

Risk Factors — Investments in Mutual Funds are subject to Market Risks. Read all scheme-related documents carefully before investing. Past performances may or may not be sustained in future. We deal in Regular Plans only and earn a Trailing Commission on client investments. We are not a Registered Investment Advisor and we do not charge any fee to our clients.

For Grievances / Service Requests / Feedback: +91-9820534589 or rahulkhatri@paraminvestments.com  |  ARN-107330 | Initial Registration: 20/04/2014

SID / SAI / KIM AMFI Risk Factors Code of Conduct
⚖️General Market Risks
  • Market-linked investments are subject to price fluctuation. Capital is at risk and returns are not guaranteed.
  • Rupee cost averaging reduces average cost but does not eliminate loss risk in prolonged bear markets.
  • Illustrations are pre-tax and pre-charges. Net-of-tax and net-of-charges returns will be materially lower.
🏛️SEBI & AMFI Framework
  • Mutual funds regulated by SEBI under SEBI (Mutual Funds) Regulations, 1996 as amended.
  • All mutual fund distributors must be registered with AMFI. Verify your distributor's ARN before investing.
  • PMS governed under SEBI (Portfolio Managers) Regulations, 2020. Minimum investment: ₹50 lakhs.
  • AIF governed under SEBI (Alternative Investment Funds) Regulations, 2012. Minimum: ₹1 crore.
  • SIF is a newly introduced SEBI-regulated category. Minimum investment: ₹10 lakhs.
SIP — Systematic Investment Plan
  • SIP does not guarantee profit or protect against loss in declining markets.
  • Stopping SIPs early forfeits compounding benefits. Illustrations assume uninterrupted investment.
  • Post-tax returns will be reduced by applicable LTCG/STCG taxes and expense ratios.
STP — Systematic Transfer Plan
  • STP involves simultaneous redemption from source fund and reinvestment into a target fund. Both are subject to market risk.
  • Exit loads may apply on redemption from the source fund. Each STP transfer is a taxable redemption event.
SWP — Systematic Withdrawal Plan
  • SWP does not guarantee income. Withdrawals continue only as long as the corpus is positive.
  • A fixed monthly withdrawal loses real purchasing power due to inflation over time.
PMS — Portfolio Management Services
  • PMS is a high-risk, high-fee product. Returns are illustrative and NOT guaranteed.
  • Minimum investment: ₹50,00,000 as per SEBI Regulations, 2020.
AIF — Alternative Investment Fund
  • AIFs are illiquid with 3–7 year lock-ins. Returns shown are target IRRs — NOT guaranteed.
  • Minimum investment: ₹1,00,00,000 per SEBI AIF Regulations 2012.
SIF — Specialised Investment Fund
  • SIFs are a new SEBI-regulated category for sophisticated investors. Minimum: ₹10,00,000.
  • Returns are not guaranteed and capital is at market risk.
GIFT City IFSC
  • GIFT City IFSC investments are regulated by IFSCA — not SEBI.
  • Outbound remittances are subject to RBI's LRS limit of USD 2,50,000 per individual per financial year.
  • Currency (USD/INR) risk directly impacts INR-equivalent returns.
Mutual Fund investments are subject to market risks. Read all scheme-related documents carefully before investing. · Param Investments AMFI ARN-107330 | Est. 2005 | Powai, Mumbai. · SEBI SCORES: scores.gov.in · AMFI Helpline: 1800-22-7575
Param Investments — AMFI ARN-107330 | AMFI-Registered Mutual Fund Distributor | Est. 2005 | Powai, Mumbai.
Mutual fund investments are subject to market risks. All illustrations are indicative. Please read all scheme documents carefully before investing.
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  • 1 PAN Card (mandatory for all investments)
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  • 5 A couple of minutes of your time
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