Government Bonds vs SIP — fixed income or growth potential?
Government bonds pay a fixed coupon with sovereign backing — about as safe as an investment gets. A SIP into equity carries no guarantee but a historically higher long-run return. Compare both on the same amount.
Government Bonds vs SIP Calculator — 10-year comparison
Opens Compare Lab pre-loaded with both, in your own currency — adjust any input and the chart updates instantly.
Compare now →Debt issued by the government, paying a fixed coupon over a set tenure, backed by sovereign credit.
Best for: The safest portion of a fixed-income allocation, especially for capital you want protected above all else.
A fixed amount invested into equity mutual funds every month, automatically, regardless of whether the market is up or down.
Best for: Long-term goals (7+ years) where you can tolerate volatility for higher growth potential.
Can I hold only government bonds if I'm risk-averse?
It depends on your horizon and goal — bonds protect capital but their fixed coupon may not outpace inflation by much. Many risk-averse investors still hold a smaller equity allocation for long-term goals rather than none at all.
Where do these numbers actually come from?
The same calculation engine that powers our standalone calculators and Compare Lab — nothing here is a separate or simplified estimate. Every assumption (rate, tenure, tax) is visible and adjustable once you open the comparison with your own numbers.