Integrato Product Universe
Every major investment product in India on one page — organised by risk, indicative return, time horizon, liquidity, minimum amount and tax. From Fixed Deposits to AIFs: see what each one is for, then go deeper.
Risk–return map
Each bar shows a product group's indicative annual return range, grouped from lowest to highest risk. Tap any row for the full picture.
Indicative ranges based on historical category averages; not guaranteed. Small-savings rates are set by the Government for Oct–Dec 2026. Market-linked products can also deliver negative returns.
Explore the universe
Narrow down by asset class, risk, how long you can stay invested, how much you're starting with and how quickly you may need the money.
Debt funds holding very short-term money-market instruments.
💡 Usually better than a savings account for money you may need within months — but not guaranteed.
15-year government savings account with fully tax-free returns.
💡 A tax-free 7.1% equals a taxable return of about 10% in the 30% slab.
National Savings Certificate, Kisan Vikas Patra, Post Office time deposits and Monthly Income Scheme.
💡 Monthly Income Scheme gives fixed monthly payouts — a simple income tool for retirees.
Fixed and recurring deposits with banks and small finance banks, plus your savings account.
💡 Deposits are insured by DICGC up to ₹5 lakh per depositor per bank — spread larger amounts across banks.
Government savings scheme for a girl child's education and marriage.
💡 Among the highest guaranteed, tax-free rates available — but only for a daughter's account.
Government scheme paying quarterly interest to people aged 60+.
💡 Your rate is fixed for the full 5 years when you open the account — lock in when rates are high.
Your workplace provident fund, with the option to contribute more through VPF.
💡 VPF earns the same rate as EPF — one of the best risk-free rates for salaried people.
Endowment, money-back and guaranteed-income insurance plans.
💡 Treat these as savings with some cover — compare the IRR with PPF and FDs before committing for decades.
Government pension scheme giving a fixed monthly pension from age 60.
💡 The pension amount is guaranteed by the Government — but income-tax payers can no longer join.
Funds holding high-quality bonds maturing in roughly 1–3 years.
💡 More liquid than an FD and spread across many issuers — but returns move with interest rates.
Gilt, medium/long duration and credit-risk debt funds.
💡 Gilt funds have no default risk but swing more with interest rates; credit-risk funds pay more for lower-rated bonds.
Strategies that earn from cash–futures price gaps, plus equity savings and solution-oriented funds.
💡 Arbitrage funds give debt-like returns with equity taxation — useful for investors in the 30% slab.
Gold and silver ETFs, gold funds and commodity funds.
💡 Gold often rises when equities fall — most investors hold it as a 5–15% diversifier, not a core holding.
Buying government securities, PSU and corporate bonds or NCDs directly.
💡 A AAA bond and a BBB bond can look similar on yield — the rating tells you how much default risk you are taking.
NRE and NRO fixed deposits plus NRI investing in mutual funds and PMS.
💡 NRE money is fully repatriable and its interest tax-free in India — NRO is for income earned in India.
Fixed deposits with NBFCs and housing finance companies, usually at higher rates than banks.
💡 Not covered by DICGC insurance — your money is only as safe as the company, so stick to high ratings.
Listed trusts that own rent-earning offices, malls, roads and power assets.
💡 Real estate without buying property — at least 90% of distributable cash is paid out to unitholders.
Funds that mix equity, debt and sometimes gold in one portfolio.
💡 The fund rebalances between equity and debt for you — a smoother ride than pure equity.
Buying residential or commercial property directly.
💡 Rental yields in Indian cities are often 2–4% — most of the return depends on the price rising.
Government-regulated retirement account investing in equity, corporate bonds and G-Secs.
💡 Among the lowest-cost ways to invest for retirement — the price is a long lock-in and a compulsory annuity portion.
Actively managed funds investing in India's 100 largest companies.
💡 The core of most long-term portfolios — compare each fund against a low-cost index fund before choosing.
Low-cost funds that copy an index such as Nifty 50, Sensex or Nifty 500.
💡 Costs are a fraction of active funds, and you never underperform the index by much more than the fee.
Equity funds with a 3-year lock-in that qualify for Section 80C.
💡 The shortest lock-in among 80C options — but the deduction only helps under the old tax regime.
Indian funds investing in US, global and emerging-market shares.
💡 Returns depend on foreign markets and the rupee — a weaker rupee adds to your return.
Funds spread across large, mid and small companies.
💡 Flexi caps can move freely between company sizes; multi caps must keep at least 25% each in large, mid and small.
Insurance plans that invest premiums in market-linked funds.
💡 Buy term insurance for protection first — compare a ULIP's net return after charges with term cover plus mutual funds.
US-dollar funds based in India's international financial centre, investing globally.
💡 A route to global investing without the limits that pause many Indian international funds.
Investing directly in US and global stocks or ETFs through the Liberalised Remittance Scheme.
💡 Every rupee sent abroad counts toward your LRS limit, and foreign assets must be disclosed in your tax return.
SEBI's newer category between mutual funds and PMS, allowing long-short and other advanced strategies.
💡 SIFs can take limited short positions with derivatives — aiming for smoother returns than a long-only fund.
Funds investing in India's 101st–250th (mid) and 251st-onward (small) companies.
💡 Highest long-term growth potential among mainstream funds, but falls of 40–60% have happened in bad years.
Concentrated bets on one sector (banking, pharma, IT) or theme (manufacturing, consumption).
💡 Timing matters: a sector can lag the market for years, so keep these to a small portion of your money.
Private credit and structured debt strategies for HNIs.
💡 High yields compensate for lending to riskier borrowers and for locking your money up — they are not FD substitutes.
A professional manager runs a concentrated portfolio held directly in your demat account.
💡 Fees (fixed plus performance) can take 2–3% a year — compare net returns against good mutual funds.
Pooled funds for HNIs using long-only, long-short or derivative strategies in listed markets.
💡 Being taxed at fund level can be inefficient for long-only strategies — compare post-tax returns with PMS and SIF.
Buying shares of listed companies yourself, including new IPOs.
💡 Most individual stock pickers underperform diversified funds — keep direct stocks to a portion you can actively track.
Closed-ended funds investing in unlisted companies, start-ups, private credit and real estate.
💡 The best and worst private-equity managers differ enormously — manager selection is everything.
Shares of companies not yet listed on the stock exchange.
💡 Prices are set privately with little disclosure — many pre-IPO investors have paid more than the eventual listing price.
Bitcoin, Ethereum and other virtual digital assets.
💡 Treated harshly by Indian tax law and not regulated like securities — Integrato helps crypto holders diversify into regulated assets.
Start from your goal
Choose a goal to see the product groups investors commonly consider for it.
Side by side
Tap “+ Compare” on any product, or start with a popular comparison.
Key insights
A higher expected return is payment for accepting bigger swings, credit risk or a lock-in. If a product promises high returns with no risk, ask what's hidden.
Money needed within 3 years belongs in stable products. Equity needs 5–7 years to ride out downturns.
Lock-ins (PPF, NPS, AIFs) often pay more or save tax. Keep enough in liquid products so you never have to break a long-term investment.
An 8% FD in the 30% slab keeps about 5.6%. Equity gains, PPF and arbitrage funds can leave more in your hands. Use the calculator below.
Equity, debt and gold rarely move together. A mix smooths the ride better than finding a single “best” product.
SIF (₹10 lakh), PMS (₹50 lakh) and AIF (₹1 crore) offer more choice with higher fees and manager risk. Compare net-of-fee returns.
What does a return really leave you after tax and inflation?
Simplified illustration: assumes the whole return is taxed at the chosen rate each year.
FAQ
No product gives the highest return without also carrying the highest risk. Historically equity (mid and small caps, PMS and AIFs) has offered the highest long-term growth, but with deep falls along the way. The right product depends on when you need the money, how much volatility you can live with, and your tax slab.
Government small savings schemes (PPF, SCSS, NSC, SSY) are backed by the Government of India. Bank deposits are insured by DICGC up to ₹5 lakh per depositor per bank. Liquid and overnight funds carry very low risk but are not guaranteed. Corporate FDs and bonds depend on the issuer's credit quality.
Match the product to your horizon and tax slab. FDs give a fixed rate and are simple; debt funds offer daily liquidity and diversification but are taxed like FD interest since April 2023; hybrid funds add some equity for growth over three years or more, with more ups and downs.
Portfolio Management Services need ₹50 lakh, Alternative Investment Funds ₹1 crore, and Specialised Investment Funds ₹10 lakh per PAN per fund house. Mutual funds can start with SIPs of ₹100–₹500.
No. Ranges are indicative, based on historical category averages, and actual returns can be higher or lower — including negative for market-linked products. Only government small-savings rates are set in advance, and those reset every quarter.
Interest from FDs, bonds and debt funds bought after April 2023 is taxed at your slab rate. Equity and equity-oriented funds are taxed at 20% if sold within 12 months and 12.5% on gains above ₹1.25 lakh a year after that. PPF and Sukanya Samriddhi are fully tax-free. Rules can change, so confirm with a tax professional.
Book a 60-minute session (₹2,999) with Sanjeev Kumar Sharma — covers insurance guidance, financial education and goal-based planning.
Return ranges are indicative, based on historical category averages, and are not guaranteed; market-linked products can lose value. Government small-savings rates shown are those notified for October–December 2026. Tax summaries reflect rules for resident individuals as understood in October 2026 and may change — confirm with a tax professional.
Integrato Financial Services Pvt. Ltd. is an AMFI-registered Mutual Fund Distributor (ARN-173155) and IRDAI-licensed insurance agency, not a SEBI-registered Investment Adviser. This page is investor education, not investment advice or a recommendation. Mutual fund investments are subject to market risks; read all scheme-related documents carefully.
