In plain words: See how much money you actually keep after every tax and fee — direct investing vs through GIFT City, compounded over the years.
Net Returns: Direct vs Valura
The closing argument. TCS, dividend WHT, and estate tax compound silently over decades. This calculator shows exactly how much more wealth your family keeps via Valura.
Route A — Direct · Final Value
₹1.46 Cr
after all taxes · year 15
Route B — Valura · Final Value
₹1.91 Cr
after all taxes · year 15
Route B Advantage
+₹45.9 L
31.6% more wealth at year 15
TCS Saved
₹2.0 L
Estate Tax Protected
₹44.8 L
Dividend WHT Saved
₹2.9 L
Extra Wealth Yr 15
₹45.9 L
Investment Details
≈ ₹50.0 L
Hold 730+ days — LTCG 14.95% on exit
Tax Profile
STCG effective rate: 17.55%
Capital gains tax is identical in both routes. The Route B advantage comes entirely from TCS savings, lower dividend WHT (15% vs 25%), and zero estate tax risk.
After-tax portfolio value diverges over time
Red = Route A (Direct) · Green = Route B (Valura)
At year 15: Route B ahead by ₹1.3 L (0.6% more portfolio)
Where each rupee of return goes
Cumulative tax drag over 15 years
Route A (Direct)
₹95.5 L net
₹85.0 L in taxes
Route B (Valura)
₹1.41 Cr net
₹39.2 L in taxes
Year-by-year comparison
Pre-exit-tax portfolio value| Year | Route A Value | Tax Paid (A) | Route B Value | Tax Paid (B) | B Advantage |
|---|---|---|---|---|---|
| Yr 1 | ₹46.8 L | ₹8.2 L | ₹48.9 L | ₹6.4 L | +₹2.1 L |
| Yr 2 | ₹52.2 L | ₹8.4 L | ₹54.4 L | ₹6.7 L | +₹2.2 L |
| Yr 3 | ₹58.2 L | ₹8.7 L | ₹60.5 L | ₹7.2 L | +₹2.3 L |
| Yr 4 | ₹64.9 L | ₹9.0 L | ₹67.3 L | ₹7.7 L | +₹2.4 L |
| Yr 5 | ₹72.4 L | ₹9.3 L | ₹74.8 L | ₹8.2 L | +₹2.4 L |
| Yr 6 | ₹80.7 L | ₹9.7 L | ₹83.2 L | ₹8.8 L | +₹2.5 L |
| Yr 7 | ₹90.0 L | ₹10.1 L | ₹92.5 L | ₹9.5 L | +₹2.5 L |
| Yr 8 | ₹1.00 Cr | ₹10.5 L | ₹1.03 Cr | ₹10.2 L | +₹2.5 L |
| Yr 9 | ₹1.12 Cr | ₹11.0 L | ₹1.14 Cr | ₹11.0 L | +₹2.5 L |
| Yr 10 | ₹1.25 Cr | ₹11.6 L | ₹1.27 Cr | ₹11.9 L | +₹2.5 L |
Break-even: Year 1
Route B's 0.50% platform fee is fully offset by tax savings by Year 1. After year 1, every rupee of platform fee is net positive return for your family.
Where Route B wins — and where it doesn't
The closing argument
Start investing via Valura GIFT City
Zero TCS. Zero estate tax. IFSCA regulated. Keep ₹45.9 L more for your family.
Projections are illustrative only. Tax treatment per Finance Act 2025. Returns, tax rates, and regulations may change. Capital gains tax is identical in both routes — the Route B advantage comes from TCS, dividend WHT, and estate tax differences only. Consult your CA and financial advisor before investing.