NPS Tier 2 vs Mutual FundFY 2026-27
Compare NPS Tier 2 ultra-low costs (0.01%) and slab taxation vs Equity MF's 12.5% LTCG and higher expense ratios.
Quick Summary: NPS Tier 2 vs Mutual Fund
Choosing between NPS Tier 2 and Mutual Funds involves a trade-off between cost and tax. In FY 2026-27, NPS Tier 2 costs are ~0.01% but gains are taxed at slab rates, while Equity MFs cost 0.7-1.2% but offer a ₹1.25 Lakh LTCG exemption and a flat 12.5% tax rate.
How to use the NPS Tier 2 vs Mutual Fund
- 1
Input Investment Amount
Enter the capital you wish to invest in either Tier-2 or Mutual Funds.
- 2
Enter Your Tax Slab
Select your current income tax bracket (e.g., 20% or 30%).
- 3
Set Holding Period
Provide the number of years you plan to stay invested.
- 4
Review Post-Tax Wealth
See which option leaves you with more money after accounting for both fees and taxes.
Related Calculators
Regulatory Disclaimer · FY 2026-27
Last verified May 2026
Nature:Calculator platform and is NOT a SEBI-registered Investment Adviser. All calculations are indicative.
Risk:"Investments in securities market are subject to market risks. Read all related documents carefully before investing."
Consult a SEBI-registered IA or CA for personalised advice.
9 out of 10 traders in F&O incurred net losses (SEBI 2023). Tax estimates based on IT Act 2025. Trezoriq is not liable for financial decisions based on results.