₹1,46,93,281+₹46,93,281 gain
Conditionally assumes no tax; home relief is unverified.RE capital gain
Modeled wealth after 5 years
Hypothetical annual compounding; before fees and any unmodeled tax.
₹1,54,20,490+₹54,20,490 gain
Assumed tax drag: ₹12,50,000; not actual tax.₹1,41,67,984+₹41,67,984 gain
Conditionally assumes eligible bonds up to ₹50,00,000 and 5.25% annual return; relief is unverified.Highest modeled value under these assumptions: Pay assumed tax, invest in MF/PMS. This is not a recommendation. Check legal eligibility and tax treatment with a qualified professional before relying on any of these figures.
Smart tax planning notes
- If your assumed MF/PMS return is well above your assumed RE growth, paying the assumed tax and investing the balance may compound to more over longer horizons.
- Specified bonds (Section 54EC) can shelter gains up to ₹50 lakh per the notified lock-in and rate used in this illustration — not a guaranteed yield.
- Section 54F needs the net consideration reinvested in a house, and not owning more than one other residential house at the time of sale.
Comparison insight
Under these assumptions, Pay assumed tax, invest in MF/PMS models the highest wealth — ₹7,27,209 more than the next-highest path. This is a modeled comparison, not a recommendation.
Key insight
Assumed MF/PMS return (12%) is higher than assumed RE growth (8%) before any tax drag is applied.
Rules to verify
Section 54 depends on a qualifying residential-house sale and new-home facts. Section 54F uses net consideration and other ownership conditions. Section 54EC has eligible-asset, timing, aggregate ₹50 lakh and lock-in conditions. The illustrative rates above are not statutory rates.
This preview does not use or change connected accounts. Check legal eligibility and tax treatment with a qualified professional before acting.