- [GST Reverse Calculation — Find Base Price Instantly](https://cardmintra.com/calculators/gst-reverse-calculation/): GST reverse calculation helps you find the original price before GST. Use our free calculator to remove GST instantly. Works for 5%, 12%, 18%, 28%.
	<div class="fincalc theme-amber" id="fc-grat-9">
		<div class="fc-head">
			<h2>💼 Gratuity Calculator</h2>
			<p>As per Payment of Gratuity Act, 1972</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Employment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Last Drawn Basic + DA (Monthly)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="sal-d" value="50,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="sal" min="10000" max="500000" step="1000" value="50000">
					<div class="fc-range-labels"><span>₹10K</span><span>₹5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Years of Service</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="0" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>0 yrs</span><span>40 yrs</span></div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Coverage Under Act</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-cov="yes">Covered (÷26)</button>
						<button class="fc-toggle" data-fc-cov="no">Not Covered (÷30)</button>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Eligibility:</strong> Minimum 5 years of continuous service. Tax-free up to ₹20 lakh.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Gratuity Amount</p>
					<p class="val" data-fc-out="grat">₹0</p>
					<p class="sub" data-fc-out="elig">Eligible</p>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Tax Position</h3>
					<table class="fc-table" style="font-size:12px">
						<tbody>
							<tr><td>Tax-free limit</td><td>₹20,00,000</td></tr>
							<tr><td>Your gratuity</td><td data-fc-out="grat-row">₹0</td></tr>
							<tr><td>Taxable amount</td><td data-fc-out="taxable">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Status</td><td data-fc-out="tax-status">Tax-Free</td></tr>
						</tbody>
					</table>
				</div>

							</div>
		</div>

		<p class="fc-foot">Formula: (Last Salary × 15 × Years) ÷ 26 (covered) or ÷ 30 (not covered). Capped at ₹20 lakh.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-grat-9');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={sal:50000, yrs:10, covered:true};

			function calc(){
				var divisor=state.covered?26:30;
				var grat=(state.sal*15*state.yrs)/divisor;
				grat=Math.min(grat,2000000);
				var eligible=(state.yrs>=5);
				if(!eligible)grat=0;
				var taxable=Math.max(0,grat-2000000);
				$('[data-fc-out="grat"]').textContent=FC.inr(grat);
				$('[data-fc-out="grat-row"]').textContent=FC.inr(grat);
				$('[data-fc-out="elig"]').textContent=eligible?'Eligible — 5+ years of service':'Not eligible (need 5+ years)';
				$('[data-fc-out="taxable"]').textContent=FC.inr(taxable);
				$('[data-fc-out="tax-status"]').textContent=(taxable===0?'Tax-Free':'Partially Taxable');
			}

			FC.bindSlider({slider:$('[data-fc="sal"]'), input:$('[data-fc="sal-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.sal=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			$$('[data-fc-cov]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-cov]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.covered=(b.dataset.fcCov==='yes');
					calc();
				});
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gratuity',
					category:'Gratuity',
					context:function(){
						var L=fincalcLead, divisor=state.covered?26:30;
						var raw=(state.sal*15*state.yrs)/divisor;
						var grat=Math.min(raw,2000000);
						var eligible=(state.yrs>=5); if(!eligible)grat=0;
						var taxable=Math.max(0,grat-2000000);
						return {
							title:'Gratuity Report',
							summaryText:'Gratuity '+L.inr(grat)+' for '+state.yrs+' yrs @ '+L.inr(state.sal)+'/mo',
							summaryLines:[
								['Last drawn salary (Basic+DA)', L.inr(state.sal)],
								['Years of service', state.yrs+' years'],
								['Covered under Gratuity Act', (state.covered?'Yes (÷26)':'No (÷30)')],
								['Eligibility', (eligible?'Eligible (5+ yrs)':'Not eligible (<5 yrs)')],
								['Gratuity payable', L.inr(grat)],
								['Taxable portion', L.inr(taxable)]
							],
							table:{
								heading:'Formula used',
								columns:['Step','Detail'],
								rows:[
									['Formula','(15 x Salary x Years) / '+divisor],
									['Calculation','(15 x '+L.inr(state.sal)+' x '+state.yrs+') / '+divisor],
									['Raw amount', L.inr(raw)],
									['Tax-free cap', L.inr(2000000)],
									['Final gratuity', L.inr(grat)]
								],
								note:'Payment of Gratuity Act, 1972. Tax-free up to Rs 20 lakh.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Gratuity Calculator for 7 Years — Free Tool &#038; Formula](https://cardmintra.com/calculators/gratuity-calculator-7-years/): Gratuity calculator for 7 years shows your exact payout in seconds. See the formula, tax rules &amp; 3 salary scenarios. Try free.
	<div class="fincalc theme-teal" id="fc-ppf-10">
		<div class="fc-head">
			<h2>🏦 PPF Calculator</h2>
			<p>Tax-free returns under Section 80C • Govt-backed</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Investment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Yearly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="150,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="150000"
					       step="500" value="150000">
					<div class="fc-range-labels"><span>₹500</span><span>₹1.5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Interest Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="7.1" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="6" max="9" step="0.1" value="7.1">
					<div class="fc-range-labels"><span>6%</span><span>9%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Tenure</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="15" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="15" max="30" step="1" value="15">
					<div class="fc-range-labels"><span>15 yrs</span><span>30 yrs</span></div>
				</div>

				<div class="fc-tip"><strong>💡 PPF benefits:</strong> Tax-free interest, 15-year lock-in, Section 80C deduction up to ₹1.5L/year.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Amount</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Interest Earned</p><p class="val" data-fc-out="int">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Breakdown</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="int" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Interest (<span data-fc-out="np">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-ppf-10');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var state={amt:150000, rate:7.1, yrs:15};

			function calc(){
				var mat=FC.annualCompound(state.amt,state.rate,state.yrs);
				var inv=state.amt*state.yrs;
				var intr=mat-inv;
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="int"]').textContent=FC.inr(intr);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="int"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="np"]').textContent=100-iPct;
			}

			FC.bindSlider({slider:$('[data-fc="amt"]'), input:$('[data-fc="amt-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'ppf',
					category:'PPF',
					context:function(){
						var L=fincalcLead, rows=L.ppfByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:'PPF Maturity Report',
							summaryText:'PPF '+L.inr(state.amt)+'/yr @ '+state.rate+'% for '+state.yrs+' yrs | Maturity '+L.inr(last.value),
							summaryLines:[
								['Yearly Deposit', L.inr(state.amt)],
								['Interest Rate', state.rate+'% p.a.'],
								['Tenure', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Interest Earned', L.inr(last.gain)],
								['Maturity Amount', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year balance — tax-free compounding',
								columns:['Yr','Invested','Interest','Balance'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.gain), L.inr(r.value)];}),
								note:'PPF interest is fully tax-free under Section 80C. Balance grows faster every year.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [PPF Calculator 2000 Per Month — Returns &#038; Maturity](https://cardmintra.com/calculators/ppf-calculator-2000-per-month/): PPF calculator 2000 per month shows ₹6.82 lakh maturity in 15 years at 7.1%. See year-by-year growth, tax benefits &amp; tips.
	<div class="fincalc theme-purple" id="fc-sip-11" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
								<div class="fc-toggles">
					<button class="fc-toggle is-active" data-fc-mode="sip">SIP</button>
					<button class="fc-toggle " data-fc-mode="lump">Lumpsum</button>
				</div>
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-11');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [20000 Per Month Mutual Fund Returns — Free Calculator](https://cardmintra.com/calculators/20000-per-month-mutual-fund-returns/): 20000 per month mutual fund returns at 12% over 20 years grow to ₹1.99 crore. Calculate your SIP returns free. Try now.
	<div class="fincalc theme-purple" id="fc-sip-12" data-mode="lump">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Lumpsum Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="500,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="10000"
					       max="50000000"
					       step="5000"
					       value="500000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹10K</span>
						<span data-fc-out="amt-max">₹5Cr</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-12');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:500000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Lumpsum Return Calculator with Inflation — Real Results](https://cardmintra.com/calculators/lumpsum-return-calculator-with-inflation/): Lumpsum return calculator with inflation shows your real returns. See how ₹5L grows over 10–20 years after adjusting for inflation. Try free tool now.
	<div class="fincalc theme-purple" id="fc-sip-13" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-13');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [SIP 3000 Per Month for 10 Years Calculator — Free Tool](https://cardmintra.com/calculators/sip-3000-per-month-10-years-calculator/): SIP 3000 per month for 10 years calculator shows you exactly how much ₹3,000/month grows. See results, formula &amp; tips. Try free now.
- [Personal Loan EMI for 4 Lakh — Rates, Tables &#038; Calculator](https://cardmintra.com/calculators/personal-loan-emi-for-4-lakh/): Personal loan EMI for 4 lakh starts at ₹3,533/month. See exact EMIs for 1–5 year tenures, compare bank rates &amp; use our free calculator.
- [Education Loan EMI for 15 Lakhs — Calculate Instantly](https://cardmintra.com/calculators/education-loan-emi-for-15-lakhs/): Education loan EMI for 15 lakhs starts at ₹9,819/month. Compare tenures, rates &amp; save interest. Use our free calculator now.
- [Car Loan EMI for 15 Lakhs — Calculate Your Monthly Payment](https://cardmintra.com/calculators/car-loan-emi-for-15-lakhs/): Car loan EMI for 15 lakhs starts at ₹13,500/month. Check exact EMI, total interest &amp; repayment table. Free calculator inside.
- [Home Loan EMI for 25 Lakhs — Calculate Instantly](https://cardmintra.com/calculators/home-loan-emi-for-25-lakhs/): Home loan EMI for 25 lakhs starts at ₹19,643/month. See exact EMI for 10, 15 &amp; 20 year tenures. Free calculator + amortization table.
	<div class="fincalc theme-cyan" id="fc-gst-18">
		<div class="fc-head">
			<h2>🧾 GST Calculator</h2>
			<p>Add or remove GST instantly at any slab</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Enter Details</h3>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Calculation Type</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-mode="add">Add GST</button>
						<button class="fc-toggle" data-fc-mode="remove">Remove GST</button>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Amount (before GST)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt" value="10,000" inputmode="numeric"></span>
					</div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">GST Rate</label>
					<div class="fc-toggles fc-gst-rates">
													<button class="fc-toggle " data-fc-rate="5">5%</button>
													<button class="fc-toggle " data-fc-rate="12">12%</button>
													<button class="fc-toggle is-active" data-fc-rate="18">18%</button>
													<button class="fc-toggle " data-fc-rate="28">28%</button>
											</div>
					<div class="fc-field-row" style="margin-top:10px">
						<label class="fc-label">Custom Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="18" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Tip:</strong> Use “Remove GST” when a price is GST-inclusive and you need the base value (e.g. for input tax credit).</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl" data-fc-out="total-lbl">Total (incl. GST)</p>
					<p class="val" data-fc-out="total">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Base Amount</p><p class="val" data-fc-out="base">₹0</p></div>
						<div class="fc-mini"><p class="lbl">GST Amount</p><p class="val" data-fc-out="gst">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>GST Split (CGST + SGST)</h3>
					<table class="fc-table" style="font-size:13px">
						<tbody>
							<tr><td>CGST (<span data-fc-out="half-rate">9</span>%)</td><td data-fc-out="cgst">₹0</td></tr>
							<tr><td>SGST (<span data-fc-out="half-rate2">9</span>%)</td><td data-fc-out="sgst">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Total GST</td><td data-fc-out="gst-row">₹0</td></tr>
						</tbody>
					</table>
					<p style="font-size:11px;color:var(--fc-muted);margin:8px 0 0">For inter-state supply, this is charged as a single IGST instead.</p>
				</div>

							</div>
		</div>

		<p class="fc-foot">Indicative GST. Confirm the applicable slab for your goods/services with a tax professional.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-gst-18');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={mode:'add', amt:10000, rate:18};

			function calc(){
				var base, gst, total;
				if(state.mode==='add'){
					base=state.amt; gst=base*state.rate/100; total=base+gst;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (before GST)';
					$('[data-fc-out="total-lbl"]').textContent='Total (incl. GST)';
				}else{
					total=state.amt; base=total/(1+state.rate/100); gst=total-base;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (incl. GST)';
					$('[data-fc-out="total-lbl"]').textContent='Base (excl. GST)';
				}
				var headline=(state.mode==='add')?total:base;
				$('[data-fc-out="total"]').textContent=FC.inr(headline);
				$('[data-fc-out="base"]').textContent=FC.inr(base);
				$('[data-fc-out="gst"]').textContent=FC.inr(gst);
				$('[data-fc-out="gst-row"]').textContent=FC.inr(gst);
				$('[data-fc-out="cgst"]').textContent=FC.inr(gst/2);
				$('[data-fc-out="sgst"]').textContent=FC.inr(gst/2);
				var half=(state.rate/2);
				$('[data-fc-out="half-rate"]').textContent=half;
				$('[data-fc-out="half-rate2"]').textContent=half;
			}

			$$('[data-fc-mode]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.mode=b.dataset.fcMode;calc();
				});
			});
			$$('[data-fc-rate]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-rate]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.rate=+b.dataset.fcRate;
					$('[data-fc="rate-d"]').value=state.rate;calc();
				});
			});

			var amtIn=$('[data-fc="amt"]');
			amtIn.addEventListener('input',function(){state.amt=FC.parseNum(amtIn.value);calc();});
			amtIn.addEventListener('blur',function(){amtIn.value=FC.parseNum(amtIn.value).toLocaleString('en-IN');});
			var rateIn=$('[data-fc="rate-d"]');
			rateIn.addEventListener('input',function(){
				state.rate=FC.parseNum(rateIn.value);
				$$('[data-fc-rate]').forEach(function(x){x.classList.toggle('is-active', +x.dataset.fcRate===state.rate)});
				calc();
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gst',
					category:'GST',
					context:function(){
						var L=fincalcLead, base, gst, total;
						if(state.mode==='add'){base=state.amt;gst=base*state.rate/100;total=base+gst;}
						else{total=state.amt;base=total/(1+state.rate/100);gst=total-base;}
						return {
							title:'GST Calculation Report',
							summaryText:(state.mode==='add'?'Add ':'Remove ')+state.rate+'% GST | Base '+L.inr(base)+' GST '+L.inr(gst),
							summaryLines:[
								['Calculation Type', (state.mode==='add'?'Add GST':'Remove GST')],
								['GST Rate', state.rate+'%'],
								['Base Amount', L.inr(base)],
								['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['Total (incl. GST)', L.inr(total)]
							],
							table:{
								heading:'Breakdown',
								columns:['Item','Amount'],
								rows:[
									['Base amount', L.inr(base)],
									['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['Total GST', L.inr(gst)],
									['', L.inr(total)]
								],
								note:'Intra-state supply splits GST into CGST + SGST. Inter-state uses a single IGST at the full rate.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Reverse GST Calculator — Find Pre-GST Price Instantly](https://cardmintra.com/calculators/reverse-gst-calculator/): Reverse GST calculator: enter GST-inclusive price, get original amount in seconds. Free tool for 5%, 12%, 18% &amp; 28% slabs. Try it now.
	<div class="fincalc theme-amber" id="fc-grat-19">
		<div class="fc-head">
			<h2>💼 Gratuity Calculator</h2>
			<p>As per Payment of Gratuity Act, 1972</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Employment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Last Drawn Basic + DA (Monthly)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="sal-d" value="50,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="sal" min="10000" max="500000" step="1000" value="50000">
					<div class="fc-range-labels"><span>₹10K</span><span>₹5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Years of Service</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="0" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>0 yrs</span><span>40 yrs</span></div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Coverage Under Act</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-cov="yes">Covered (÷26)</button>
						<button class="fc-toggle" data-fc-cov="no">Not Covered (÷30)</button>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Eligibility:</strong> Minimum 5 years of continuous service. Tax-free up to ₹20 lakh.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Gratuity Amount</p>
					<p class="val" data-fc-out="grat">₹0</p>
					<p class="sub" data-fc-out="elig">Eligible</p>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Tax Position</h3>
					<table class="fc-table" style="font-size:12px">
						<tbody>
							<tr><td>Tax-free limit</td><td>₹20,00,000</td></tr>
							<tr><td>Your gratuity</td><td data-fc-out="grat-row">₹0</td></tr>
							<tr><td>Taxable amount</td><td data-fc-out="taxable">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Status</td><td data-fc-out="tax-status">Tax-Free</td></tr>
						</tbody>
					</table>
				</div>

							</div>
		</div>

		<p class="fc-foot">Formula: (Last Salary × 15 × Years) ÷ 26 (covered) or ÷ 30 (not covered). Capped at ₹20 lakh.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-grat-19');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={sal:50000, yrs:10, covered:true};

			function calc(){
				var divisor=state.covered?26:30;
				var grat=(state.sal*15*state.yrs)/divisor;
				grat=Math.min(grat,2000000);
				var eligible=(state.yrs>=5);
				if(!eligible)grat=0;
				var taxable=Math.max(0,grat-2000000);
				$('[data-fc-out="grat"]').textContent=FC.inr(grat);
				$('[data-fc-out="grat-row"]').textContent=FC.inr(grat);
				$('[data-fc-out="elig"]').textContent=eligible?'Eligible — 5+ years of service':'Not eligible (need 5+ years)';
				$('[data-fc-out="taxable"]').textContent=FC.inr(taxable);
				$('[data-fc-out="tax-status"]').textContent=(taxable===0?'Tax-Free':'Partially Taxable');
			}

			FC.bindSlider({slider:$('[data-fc="sal"]'), input:$('[data-fc="sal-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.sal=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			$$('[data-fc-cov]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-cov]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.covered=(b.dataset.fcCov==='yes');
					calc();
				});
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gratuity',
					category:'Gratuity',
					context:function(){
						var L=fincalcLead, divisor=state.covered?26:30;
						var raw=(state.sal*15*state.yrs)/divisor;
						var grat=Math.min(raw,2000000);
						var eligible=(state.yrs>=5); if(!eligible)grat=0;
						var taxable=Math.max(0,grat-2000000);
						return {
							title:'Gratuity Report',
							summaryText:'Gratuity '+L.inr(grat)+' for '+state.yrs+' yrs @ '+L.inr(state.sal)+'/mo',
							summaryLines:[
								['Last drawn salary (Basic+DA)', L.inr(state.sal)],
								['Years of service', state.yrs+' years'],
								['Covered under Gratuity Act', (state.covered?'Yes (÷26)':'No (÷30)')],
								['Eligibility', (eligible?'Eligible (5+ yrs)':'Not eligible (<5 yrs)')],
								['Gratuity payable', L.inr(grat)],
								['Taxable portion', L.inr(taxable)]
							],
							table:{
								heading:'Formula used',
								columns:['Step','Detail'],
								rows:[
									['Formula','(15 x Salary x Years) / '+divisor],
									['Calculation','(15 x '+L.inr(state.sal)+' x '+state.yrs+') / '+divisor],
									['Raw amount', L.inr(raw)],
									['Tax-free cap', L.inr(2000000)],
									['Final gratuity', L.inr(grat)]
								],
								note:'Payment of Gratuity Act, 1972. Tax-free up to Rs 20 lakh.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Gratuity Calculator for 20 Years Service — Free Tool](https://cardmintra.com/calculators/gratuity-calculator-20-years-service/): Gratuity calculator for 20 years service: see exact payouts for ₹5L, ₹10L, ₹15L salary. Formula, tax rules &amp; tips explained.
	<div class="fincalc theme-teal" id="fc-ppf-20">
		<div class="fc-head">
			<h2>🏦 PPF Calculator</h2>
			<p>Tax-free returns under Section 80C • Govt-backed</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Investment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Yearly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="150,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="150000"
					       step="500" value="150000">
					<div class="fc-range-labels"><span>₹500</span><span>₹1.5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Interest Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="7.1" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="6" max="9" step="0.1" value="7.1">
					<div class="fc-range-labels"><span>6%</span><span>9%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Tenure</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="15" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="15" max="30" step="1" value="15">
					<div class="fc-range-labels"><span>15 yrs</span><span>30 yrs</span></div>
				</div>

				<div class="fc-tip"><strong>💡 PPF benefits:</strong> Tax-free interest, 15-year lock-in, Section 80C deduction up to ₹1.5L/year.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Amount</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Interest Earned</p><p class="val" data-fc-out="int">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Breakdown</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="int" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Interest (<span data-fc-out="np">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-ppf-20');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var state={amt:150000, rate:7.1, yrs:15};

			function calc(){
				var mat=FC.annualCompound(state.amt,state.rate,state.yrs);
				var inv=state.amt*state.yrs;
				var intr=mat-inv;
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="int"]').textContent=FC.inr(intr);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="int"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="np"]').textContent=100-iPct;
			}

			FC.bindSlider({slider:$('[data-fc="amt"]'), input:$('[data-fc="amt-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'ppf',
					category:'PPF',
					context:function(){
						var L=fincalcLead, rows=L.ppfByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:'PPF Maturity Report',
							summaryText:'PPF '+L.inr(state.amt)+'/yr @ '+state.rate+'% for '+state.yrs+' yrs | Maturity '+L.inr(last.value),
							summaryLines:[
								['Yearly Deposit', L.inr(state.amt)],
								['Interest Rate', state.rate+'% p.a.'],
								['Tenure', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Interest Earned', L.inr(last.gain)],
								['Maturity Amount', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year balance — tax-free compounding',
								columns:['Yr','Invested','Interest','Balance'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.gain), L.inr(r.value)];}),
								note:'PPF interest is fully tax-free under Section 80C. Balance grows faster every year.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [PPF Calculator 1000 Per Month — See Exact Returns](https://cardmintra.com/calculators/ppf-calculator-1000-per-month/): PPF calculator 1000 per month: see exact maturity amount, interest earned &amp; year-by-year growth. Free tool. Check your 15-year returns now.
	<div class="fincalc theme-purple" id="fc-sip-21" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
								<div class="fc-toggles">
					<button class="fc-toggle is-active" data-fc-mode="sip">SIP</button>
					<button class="fc-toggle " data-fc-mode="lump">Lumpsum</button>
				</div>
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-21');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [15000 Per Month Mutual Fund Returns — Free SIP Calculator](https://cardmintra.com/calculators/15000-per-month-mutual-fund-returns/): 15000 per month mutual fund returns: see how ₹15,000 SIP grows to ₹1.5 crore in 20 years. Use our free calculator for exact results.
	<div class="fincalc theme-purple" id="fc-sip-22" data-mode="lump">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Lumpsum Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="500,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="10000"
					       max="50000000"
					       step="5000"
					       value="500000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹10K</span>
						<span data-fc-out="amt-max">₹5Cr</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-22');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:500000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Inflation Adjusted Lumpsum Calculator — Real Returns](https://cardmintra.com/calculators/inflation-adjusted-lumpsum-calculator/): Inflation adjusted lumpsum calculator shows your real returns after inflation. See how ₹5L–₹20L grows in actual value. Free tool inside.
	<div class="fincalc theme-purple" id="fc-sip-23" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-23');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [SIP 2000 Per Month for 20 Years Calculator — Free Tool](https://cardmintra.com/calculators/sip-2000-per-month-20-years-calculator/): SIP 2000 per month for 20 years calculator: see exact returns, total corpus &amp; year-by-year growth. Estimated returns up to ₹19.8L. Try free now.
- [Personal Loan EMI for 5 Lakh — Calculate Instantly](https://cardmintra.com/calculators/personal-loan-emi-for-5-lakh/): Personal loan EMI for 5 lakh starts at ₹4,424/month. See exact EMIs for 1–5 year tenures at top banks. Use our free calculator now.
- [Education Loan EMI for 5 Lakhs — Calculate Fast](https://cardmintra.com/calculators/education-loan-emi-for-5-lakhs/): Education loan EMI for 5 lakhs starts at ₹5,275/month. See exact EMIs for 5, 7 &amp; 10 years. Free calculator inside.
- [Car Loan EMI for 3 Lakhs — Monthly Payment Guide](https://cardmintra.com/calculators/car-loan-emi-for-3-lakhs/): Car loan EMI for 3 lakhs starts at ₹3,122/month. See exact EMIs, compare tenures &amp; calculate fast. Check your monthly payment now.
- [Home Loan EMI for 40 Lakhs — Exact Monthly Payments](https://cardmintra.com/calculators/home-loan-emi-for-40-lakhs/): Home loan EMI for 40 lakhs starts at ₹34,155/month. See exact EMIs for 10, 15, 20-year tenures. Free calculator + tips to save on interest.
	<div class="fincalc theme-cyan" id="fc-gst-28">
		<div class="fc-head">
			<h2>🧾 GST Calculator</h2>
			<p>Add or remove GST instantly at any slab</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Enter Details</h3>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Calculation Type</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-mode="add">Add GST</button>
						<button class="fc-toggle" data-fc-mode="remove">Remove GST</button>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Amount (before GST)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt" value="10,000" inputmode="numeric"></span>
					</div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">GST Rate</label>
					<div class="fc-toggles fc-gst-rates">
													<button class="fc-toggle " data-fc-rate="5">5%</button>
													<button class="fc-toggle " data-fc-rate="12">12%</button>
													<button class="fc-toggle is-active" data-fc-rate="18">18%</button>
													<button class="fc-toggle " data-fc-rate="28">28%</button>
											</div>
					<div class="fc-field-row" style="margin-top:10px">
						<label class="fc-label">Custom Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="18" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Tip:</strong> Use “Remove GST” when a price is GST-inclusive and you need the base value (e.g. for input tax credit).</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl" data-fc-out="total-lbl">Total (incl. GST)</p>
					<p class="val" data-fc-out="total">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Base Amount</p><p class="val" data-fc-out="base">₹0</p></div>
						<div class="fc-mini"><p class="lbl">GST Amount</p><p class="val" data-fc-out="gst">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>GST Split (CGST + SGST)</h3>
					<table class="fc-table" style="font-size:13px">
						<tbody>
							<tr><td>CGST (<span data-fc-out="half-rate">9</span>%)</td><td data-fc-out="cgst">₹0</td></tr>
							<tr><td>SGST (<span data-fc-out="half-rate2">9</span>%)</td><td data-fc-out="sgst">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Total GST</td><td data-fc-out="gst-row">₹0</td></tr>
						</tbody>
					</table>
					<p style="font-size:11px;color:var(--fc-muted);margin:8px 0 0">For inter-state supply, this is charged as a single IGST instead.</p>
				</div>

							</div>
		</div>

		<p class="fc-foot">Indicative GST. Confirm the applicable slab for your goods/services with a tax professional.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-gst-28');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={mode:'add', amt:10000, rate:18};

			function calc(){
				var base, gst, total;
				if(state.mode==='add'){
					base=state.amt; gst=base*state.rate/100; total=base+gst;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (before GST)';
					$('[data-fc-out="total-lbl"]').textContent='Total (incl. GST)';
				}else{
					total=state.amt; base=total/(1+state.rate/100); gst=total-base;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (incl. GST)';
					$('[data-fc-out="total-lbl"]').textContent='Base (excl. GST)';
				}
				var headline=(state.mode==='add')?total:base;
				$('[data-fc-out="total"]').textContent=FC.inr(headline);
				$('[data-fc-out="base"]').textContent=FC.inr(base);
				$('[data-fc-out="gst"]').textContent=FC.inr(gst);
				$('[data-fc-out="gst-row"]').textContent=FC.inr(gst);
				$('[data-fc-out="cgst"]').textContent=FC.inr(gst/2);
				$('[data-fc-out="sgst"]').textContent=FC.inr(gst/2);
				var half=(state.rate/2);
				$('[data-fc-out="half-rate"]').textContent=half;
				$('[data-fc-out="half-rate2"]').textContent=half;
			}

			$$('[data-fc-mode]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.mode=b.dataset.fcMode;calc();
				});
			});
			$$('[data-fc-rate]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-rate]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.rate=+b.dataset.fcRate;
					$('[data-fc="rate-d"]').value=state.rate;calc();
				});
			});

			var amtIn=$('[data-fc="amt"]');
			amtIn.addEventListener('input',function(){state.amt=FC.parseNum(amtIn.value);calc();});
			amtIn.addEventListener('blur',function(){amtIn.value=FC.parseNum(amtIn.value).toLocaleString('en-IN');});
			var rateIn=$('[data-fc="rate-d"]');
			rateIn.addEventListener('input',function(){
				state.rate=FC.parseNum(rateIn.value);
				$$('[data-fc-rate]').forEach(function(x){x.classList.toggle('is-active', +x.dataset.fcRate===state.rate)});
				calc();
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gst',
					category:'GST',
					context:function(){
						var L=fincalcLead, base, gst, total;
						if(state.mode==='add'){base=state.amt;gst=base*state.rate/100;total=base+gst;}
						else{total=state.amt;base=total/(1+state.rate/100);gst=total-base;}
						return {
							title:'GST Calculation Report',
							summaryText:(state.mode==='add'?'Add ':'Remove ')+state.rate+'% GST | Base '+L.inr(base)+' GST '+L.inr(gst),
							summaryLines:[
								['Calculation Type', (state.mode==='add'?'Add GST':'Remove GST')],
								['GST Rate', state.rate+'%'],
								['Base Amount', L.inr(base)],
								['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['Total (incl. GST)', L.inr(total)]
							],
							table:{
								heading:'Breakdown',
								columns:['Item','Amount'],
								rows:[
									['Base amount', L.inr(base)],
									['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['Total GST', L.inr(gst)],
									['', L.inr(total)]
								],
								note:'Intra-state supply splits GST into CGST + SGST. Inter-state uses a single IGST at the full rate.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [How to Add GST to Amount — Simple Formula Guide](https://cardmintra.com/calculators/how-to-add-gst-to-amount/): How to add GST to amount in seconds. Use our free calculator, see the formula, and get examples for 5%, 12%, 18%, 28% GST rates.
	<div class="fincalc theme-amber" id="fc-grat-29">
		<div class="fc-head">
			<h2>💼 Gratuity Calculator</h2>
			<p>As per Payment of Gratuity Act, 1972</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Employment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Last Drawn Basic + DA (Monthly)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="sal-d" value="50,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="sal" min="10000" max="500000" step="1000" value="50000">
					<div class="fc-range-labels"><span>₹10K</span><span>₹5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Years of Service</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="0" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>0 yrs</span><span>40 yrs</span></div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Coverage Under Act</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-cov="yes">Covered (÷26)</button>
						<button class="fc-toggle" data-fc-cov="no">Not Covered (÷30)</button>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Eligibility:</strong> Minimum 5 years of continuous service. Tax-free up to ₹20 lakh.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Gratuity Amount</p>
					<p class="val" data-fc-out="grat">₹0</p>
					<p class="sub" data-fc-out="elig">Eligible</p>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Tax Position</h3>
					<table class="fc-table" style="font-size:12px">
						<tbody>
							<tr><td>Tax-free limit</td><td>₹20,00,000</td></tr>
							<tr><td>Your gratuity</td><td data-fc-out="grat-row">₹0</td></tr>
							<tr><td>Taxable amount</td><td data-fc-out="taxable">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Status</td><td data-fc-out="tax-status">Tax-Free</td></tr>
						</tbody>
					</table>
				</div>

							</div>
		</div>

		<p class="fc-foot">Formula: (Last Salary × 15 × Years) ÷ 26 (covered) or ÷ 30 (not covered). Capped at ₹20 lakh.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-grat-29');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={sal:50000, yrs:10, covered:true};

			function calc(){
				var divisor=state.covered?26:30;
				var grat=(state.sal*15*state.yrs)/divisor;
				grat=Math.min(grat,2000000);
				var eligible=(state.yrs>=5);
				if(!eligible)grat=0;
				var taxable=Math.max(0,grat-2000000);
				$('[data-fc-out="grat"]').textContent=FC.inr(grat);
				$('[data-fc-out="grat-row"]').textContent=FC.inr(grat);
				$('[data-fc-out="elig"]').textContent=eligible?'Eligible — 5+ years of service':'Not eligible (need 5+ years)';
				$('[data-fc-out="taxable"]').textContent=FC.inr(taxable);
				$('[data-fc-out="tax-status"]').textContent=(taxable===0?'Tax-Free':'Partially Taxable');
			}

			FC.bindSlider({slider:$('[data-fc="sal"]'), input:$('[data-fc="sal-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.sal=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			$$('[data-fc-cov]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-cov]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.covered=(b.dataset.fcCov==='yes');
					calc();
				});
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gratuity',
					category:'Gratuity',
					context:function(){
						var L=fincalcLead, divisor=state.covered?26:30;
						var raw=(state.sal*15*state.yrs)/divisor;
						var grat=Math.min(raw,2000000);
						var eligible=(state.yrs>=5); if(!eligible)grat=0;
						var taxable=Math.max(0,grat-2000000);
						return {
							title:'Gratuity Report',
							summaryText:'Gratuity '+L.inr(grat)+' for '+state.yrs+' yrs @ '+L.inr(state.sal)+'/mo',
							summaryLines:[
								['Last drawn salary (Basic+DA)', L.inr(state.sal)],
								['Years of service', state.yrs+' years'],
								['Covered under Gratuity Act', (state.covered?'Yes (÷26)':'No (÷30)')],
								['Eligibility', (eligible?'Eligible (5+ yrs)':'Not eligible (<5 yrs)')],
								['Gratuity payable', L.inr(grat)],
								['Taxable portion', L.inr(taxable)]
							],
							table:{
								heading:'Formula used',
								columns:['Step','Detail'],
								rows:[
									['Formula','(15 x Salary x Years) / '+divisor],
									['Calculation','(15 x '+L.inr(state.sal)+' x '+state.yrs+') / '+divisor],
									['Raw amount', L.inr(raw)],
									['Tax-free cap', L.inr(2000000)],
									['Final gratuity', L.inr(grat)]
								],
								note:'Payment of Gratuity Act, 1972. Tax-free up to Rs 20 lakh.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Gratuity Calculator for 15 Years Service — Free Tool](https://cardmintra.com/calculators/gratuity-calculator-15-years-service/): Gratuity calculator for 15 years service: find your exact payout instantly. Formula, tax rules under Section 10(10), and real salary examples. Try free.
	<div class="fincalc theme-teal" id="fc-ppf-30">
		<div class="fc-head">
			<h2>🏦 PPF Calculator</h2>
			<p>Tax-free returns under Section 80C • Govt-backed</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Investment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Yearly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="150,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="150000"
					       step="500" value="150000">
					<div class="fc-range-labels"><span>₹500</span><span>₹1.5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Interest Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="7.1" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="6" max="9" step="0.1" value="7.1">
					<div class="fc-range-labels"><span>6%</span><span>9%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Tenure</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="15" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="15" max="30" step="1" value="15">
					<div class="fc-range-labels"><span>15 yrs</span><span>30 yrs</span></div>
				</div>

				<div class="fc-tip"><strong>💡 PPF benefits:</strong> Tax-free interest, 15-year lock-in, Section 80C deduction up to ₹1.5L/year.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Amount</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Interest Earned</p><p class="val" data-fc-out="int">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Breakdown</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="int" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Interest (<span data-fc-out="np">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-ppf-30');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var state={amt:150000, rate:7.1, yrs:15};

			function calc(){
				var mat=FC.annualCompound(state.amt,state.rate,state.yrs);
				var inv=state.amt*state.yrs;
				var intr=mat-inv;
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="int"]').textContent=FC.inr(intr);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="int"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="np"]').textContent=100-iPct;
			}

			FC.bindSlider({slider:$('[data-fc="amt"]'), input:$('[data-fc="amt-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'ppf',
					category:'PPF',
					context:function(){
						var L=fincalcLead, rows=L.ppfByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:'PPF Maturity Report',
							summaryText:'PPF '+L.inr(state.amt)+'/yr @ '+state.rate+'% for '+state.yrs+' yrs | Maturity '+L.inr(last.value),
							summaryLines:[
								['Yearly Deposit', L.inr(state.amt)],
								['Interest Rate', state.rate+'% p.a.'],
								['Tenure', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Interest Earned', L.inr(last.gain)],
								['Maturity Amount', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year balance — tax-free compounding',
								columns:['Yr','Invested','Interest','Balance'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.gain), L.inr(r.value)];}),
								note:'PPF interest is fully tax-free under Section 80C. Balance grows faster every year.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [PPF Calculator Yearly Investment — See Exact Returns](https://cardmintra.com/calculators/ppf-calculator-yearly-investment/): PPF calculator yearly investment shows exact returns at 7.1% p.a. See how ₹1.5L/year grows over 15 years. Free tool inside.
	<div class="fincalc theme-purple" id="fc-sip-31" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
								<div class="fc-toggles">
					<button class="fc-toggle is-active" data-fc-mode="sip">SIP</button>
					<button class="fc-toggle " data-fc-mode="lump">Lumpsum</button>
				</div>
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-31');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [1000 Per Month Mutual Fund Returns — Free Calculator](https://cardmintra.com/calculators/1000-per-month-mutual-fund-returns/): 1000 per month mutual fund returns calculated free. See exactly how much ₹1000/month SIP grows in 5, 10, 20 years. Try the calculator now.
	<div class="fincalc theme-purple" id="fc-sip-32" data-mode="lump">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Lumpsum Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="500,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="10000"
					       max="50000000"
					       step="5000"
					       value="500000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹10K</span>
						<span data-fc-out="amt-max">₹5Cr</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-32');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:500000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Lumpsum Calculator with Inflation — Know Real Returns](https://cardmintra.com/calculators/lumpsum-calculator-with-inflation/): Lumpsum calculator with inflation shows your real returns after price rise. See exactly how much ₹1L–₹10L grows in 10–20 years. Try free tool now.
	<div class="fincalc theme-purple" id="fc-sip-33" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-33');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [SIP Calculator for 20 Months — Free Tool &#038; Results](https://cardmintra.com/calculators/sip-calculator-for-20-months/): SIP calculator for 20 months: see exact returns on ₹1,000–₹50,000/month. Estimated corpus, interest earned &amp; growth table. Try free tool now.
- [Personal Loan EMI for 3 Lakh — Calculator &#038; Full Guide](https://cardmintra.com/calculators/personal-loan-emi-for-3-lakh/): Personal loan EMI for 3 lakh starts at ₹6,700/month. See exact EMIs, interest paid &amp; tips to save money. Use our free calculator now.
- [Education Loan EMI for 20 Lakhs — Calculate Fast](https://cardmintra.com/calculators/education-loan-emi-for-20-lakhs/): Education loan EMI for 20 lakhs starts at ₹13,149/month. See exact EMI, total interest &amp; tips to repay faster. Free calculator inside.
- [Car Loan EMI for 8 Lakhs — Calculate Your Monthly Payment](https://cardmintra.com/calculators/car-loan-emi-for-8-lakhs/): Car loan EMI for 8 lakhs starts at ₹13,493/month. See exact EMI, total interest &amp; tips to save money. Use our free calculator now.
- [Home Loan EMI for 20 Lakhs — Rates, Tables &#038; Tips](https://cardmintra.com/calculators/home-loan-emi-for-20-lakhs/): Home loan EMI for 20 lakhs starts at ₹17,398/month. See exact EMI tables for 10, 15 &amp; 20 year tenures. Free calculator inside.
	<div class="fincalc theme-cyan" id="fc-gst-38">
		<div class="fc-head">
			<h2>🧾 GST Calculator</h2>
			<p>Add or remove GST instantly at any slab</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Enter Details</h3>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Calculation Type</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-mode="add">Add GST</button>
						<button class="fc-toggle" data-fc-mode="remove">Remove GST</button>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Amount (before GST)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt" value="10,000" inputmode="numeric"></span>
					</div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">GST Rate</label>
					<div class="fc-toggles fc-gst-rates">
													<button class="fc-toggle " data-fc-rate="5">5%</button>
													<button class="fc-toggle " data-fc-rate="12">12%</button>
													<button class="fc-toggle is-active" data-fc-rate="18">18%</button>
													<button class="fc-toggle " data-fc-rate="28">28%</button>
											</div>
					<div class="fc-field-row" style="margin-top:10px">
						<label class="fc-label">Custom Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="18" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Tip:</strong> Use “Remove GST” when a price is GST-inclusive and you need the base value (e.g. for input tax credit).</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl" data-fc-out="total-lbl">Total (incl. GST)</p>
					<p class="val" data-fc-out="total">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Base Amount</p><p class="val" data-fc-out="base">₹0</p></div>
						<div class="fc-mini"><p class="lbl">GST Amount</p><p class="val" data-fc-out="gst">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>GST Split (CGST + SGST)</h3>
					<table class="fc-table" style="font-size:13px">
						<tbody>
							<tr><td>CGST (<span data-fc-out="half-rate">9</span>%)</td><td data-fc-out="cgst">₹0</td></tr>
							<tr><td>SGST (<span data-fc-out="half-rate2">9</span>%)</td><td data-fc-out="sgst">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Total GST</td><td data-fc-out="gst-row">₹0</td></tr>
						</tbody>
					</table>
					<p style="font-size:11px;color:var(--fc-muted);margin:8px 0 0">For inter-state supply, this is charged as a single IGST instead.</p>
				</div>

							</div>
		</div>

		<p class="fc-foot">Indicative GST. Confirm the applicable slab for your goods/services with a tax professional.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-gst-38');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={mode:'add', amt:10000, rate:18};

			function calc(){
				var base, gst, total;
				if(state.mode==='add'){
					base=state.amt; gst=base*state.rate/100; total=base+gst;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (before GST)';
					$('[data-fc-out="total-lbl"]').textContent='Total (incl. GST)';
				}else{
					total=state.amt; base=total/(1+state.rate/100); gst=total-base;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (incl. GST)';
					$('[data-fc-out="total-lbl"]').textContent='Base (excl. GST)';
				}
				var headline=(state.mode==='add')?total:base;
				$('[data-fc-out="total"]').textContent=FC.inr(headline);
				$('[data-fc-out="base"]').textContent=FC.inr(base);
				$('[data-fc-out="gst"]').textContent=FC.inr(gst);
				$('[data-fc-out="gst-row"]').textContent=FC.inr(gst);
				$('[data-fc-out="cgst"]').textContent=FC.inr(gst/2);
				$('[data-fc-out="sgst"]').textContent=FC.inr(gst/2);
				var half=(state.rate/2);
				$('[data-fc-out="half-rate"]').textContent=half;
				$('[data-fc-out="half-rate2"]').textContent=half;
			}

			$$('[data-fc-mode]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.mode=b.dataset.fcMode;calc();
				});
			});
			$$('[data-fc-rate]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-rate]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.rate=+b.dataset.fcRate;
					$('[data-fc="rate-d"]').value=state.rate;calc();
				});
			});

			var amtIn=$('[data-fc="amt"]');
			amtIn.addEventListener('input',function(){state.amt=FC.parseNum(amtIn.value);calc();});
			amtIn.addEventListener('blur',function(){amtIn.value=FC.parseNum(amtIn.value).toLocaleString('en-IN');});
			var rateIn=$('[data-fc="rate-d"]');
			rateIn.addEventListener('input',function(){
				state.rate=FC.parseNum(rateIn.value);
				$$('[data-fc-rate]').forEach(function(x){x.classList.toggle('is-active', +x.dataset.fcRate===state.rate)});
				calc();
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gst',
					category:'GST',
					context:function(){
						var L=fincalcLead, base, gst, total;
						if(state.mode==='add'){base=state.amt;gst=base*state.rate/100;total=base+gst;}
						else{total=state.amt;base=total/(1+state.rate/100);gst=total-base;}
						return {
							title:'GST Calculation Report',
							summaryText:(state.mode==='add'?'Add ':'Remove ')+state.rate+'% GST | Base '+L.inr(base)+' GST '+L.inr(gst),
							summaryLines:[
								['Calculation Type', (state.mode==='add'?'Add GST':'Remove GST')],
								['GST Rate', state.rate+'%'],
								['Base Amount', L.inr(base)],
								['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['Total (incl. GST)', L.inr(total)]
							],
							table:{
								heading:'Breakdown',
								columns:['Item','Amount'],
								rows:[
									['Base amount', L.inr(base)],
									['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['Total GST', L.inr(gst)],
									['', L.inr(total)]
								],
								note:'Intra-state supply splits GST into CGST + SGST. Inter-state uses a single IGST at the full rate.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [How to Remove GST from Total Amount — Free Calculator](https://cardmintra.com/calculators/how-to-remove-gst-from-total-amount/): How to remove GST from total amount in seconds. Use our free reverse GST calculator. Formula, examples &amp; step-by-step guide inside.
	<div class="fincalc theme-amber" id="fc-grat-39">
		<div class="fc-head">
			<h2>💼 Gratuity Calculator</h2>
			<p>As per Payment of Gratuity Act, 1972</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Employment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Last Drawn Basic + DA (Monthly)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="sal-d" value="50,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="sal" min="10000" max="500000" step="1000" value="50000">
					<div class="fc-range-labels"><span>₹10K</span><span>₹5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Years of Service</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="0" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>0 yrs</span><span>40 yrs</span></div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Coverage Under Act</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-cov="yes">Covered (÷26)</button>
						<button class="fc-toggle" data-fc-cov="no">Not Covered (÷30)</button>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Eligibility:</strong> Minimum 5 years of continuous service. Tax-free up to ₹20 lakh.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Gratuity Amount</p>
					<p class="val" data-fc-out="grat">₹0</p>
					<p class="sub" data-fc-out="elig">Eligible</p>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Tax Position</h3>
					<table class="fc-table" style="font-size:12px">
						<tbody>
							<tr><td>Tax-free limit</td><td>₹20,00,000</td></tr>
							<tr><td>Your gratuity</td><td data-fc-out="grat-row">₹0</td></tr>
							<tr><td>Taxable amount</td><td data-fc-out="taxable">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Status</td><td data-fc-out="tax-status">Tax-Free</td></tr>
						</tbody>
					</table>
				</div>

							</div>
		</div>

		<p class="fc-foot">Formula: (Last Salary × 15 × Years) ÷ 26 (covered) or ÷ 30 (not covered). Capped at ₹20 lakh.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-grat-39');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={sal:50000, yrs:10, covered:true};

			function calc(){
				var divisor=state.covered?26:30;
				var grat=(state.sal*15*state.yrs)/divisor;
				grat=Math.min(grat,2000000);
				var eligible=(state.yrs>=5);
				if(!eligible)grat=0;
				var taxable=Math.max(0,grat-2000000);
				$('[data-fc-out="grat"]').textContent=FC.inr(grat);
				$('[data-fc-out="grat-row"]').textContent=FC.inr(grat);
				$('[data-fc-out="elig"]').textContent=eligible?'Eligible — 5+ years of service':'Not eligible (need 5+ years)';
				$('[data-fc-out="taxable"]').textContent=FC.inr(taxable);
				$('[data-fc-out="tax-status"]').textContent=(taxable===0?'Tax-Free':'Partially Taxable');
			}

			FC.bindSlider({slider:$('[data-fc="sal"]'), input:$('[data-fc="sal-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.sal=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			$$('[data-fc-cov]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-cov]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.covered=(b.dataset.fcCov==='yes');
					calc();
				});
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gratuity',
					category:'Gratuity',
					context:function(){
						var L=fincalcLead, divisor=state.covered?26:30;
						var raw=(state.sal*15*state.yrs)/divisor;
						var grat=Math.min(raw,2000000);
						var eligible=(state.yrs>=5); if(!eligible)grat=0;
						var taxable=Math.max(0,grat-2000000);
						return {
							title:'Gratuity Report',
							summaryText:'Gratuity '+L.inr(grat)+' for '+state.yrs+' yrs @ '+L.inr(state.sal)+'/mo',
							summaryLines:[
								['Last drawn salary (Basic+DA)', L.inr(state.sal)],
								['Years of service', state.yrs+' years'],
								['Covered under Gratuity Act', (state.covered?'Yes (÷26)':'No (÷30)')],
								['Eligibility', (eligible?'Eligible (5+ yrs)':'Not eligible (<5 yrs)')],
								['Gratuity payable', L.inr(grat)],
								['Taxable portion', L.inr(taxable)]
							],
							table:{
								heading:'Formula used',
								columns:['Step','Detail'],
								rows:[
									['Formula','(15 x Salary x Years) / '+divisor],
									['Calculation','(15 x '+L.inr(state.sal)+' x '+state.yrs+') / '+divisor],
									['Raw amount', L.inr(raw)],
									['Tax-free cap', L.inr(2000000)],
									['Final gratuity', L.inr(grat)]
								],
								note:'Payment of Gratuity Act, 1972. Tax-free up to Rs 20 lakh.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Gratuity Calculator for 10 Years Service — Free Tool](https://cardmintra.com/calculators/gratuity-calculator-for-10-years-service/): Gratuity calculator for 10 years service: find your exact payout instantly. See formula, tax rules &amp; 3 real salary examples. Free tool.
	<div class="fincalc theme-teal" id="fc-ppf-40">
		<div class="fc-head">
			<h2>🏦 PPF Calculator</h2>
			<p>Tax-free returns under Section 80C • Govt-backed</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Investment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Yearly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="150,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="150000"
					       step="500" value="150000">
					<div class="fc-range-labels"><span>₹500</span><span>₹1.5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Interest Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="7.1" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="6" max="9" step="0.1" value="7.1">
					<div class="fc-range-labels"><span>6%</span><span>9%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Tenure</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="15" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="15" max="30" step="1" value="15">
					<div class="fc-range-labels"><span>15 yrs</span><span>30 yrs</span></div>
				</div>

				<div class="fc-tip"><strong>💡 PPF benefits:</strong> Tax-free interest, 15-year lock-in, Section 80C deduction up to ₹1.5L/year.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Amount</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Interest Earned</p><p class="val" data-fc-out="int">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Breakdown</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="int" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Interest (<span data-fc-out="np">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-ppf-40');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var state={amt:150000, rate:7.1, yrs:15};

			function calc(){
				var mat=FC.annualCompound(state.amt,state.rate,state.yrs);
				var inv=state.amt*state.yrs;
				var intr=mat-inv;
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="int"]').textContent=FC.inr(intr);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="int"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="np"]').textContent=100-iPct;
			}

			FC.bindSlider({slider:$('[data-fc="amt"]'), input:$('[data-fc="amt-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'ppf',
					category:'PPF',
					context:function(){
						var L=fincalcLead, rows=L.ppfByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:'PPF Maturity Report',
							summaryText:'PPF '+L.inr(state.amt)+'/yr @ '+state.rate+'% for '+state.yrs+' yrs | Maturity '+L.inr(last.value),
							summaryLines:[
								['Yearly Deposit', L.inr(state.amt)],
								['Interest Rate', state.rate+'% p.a.'],
								['Tenure', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Interest Earned', L.inr(last.gain)],
								['Maturity Amount', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year balance — tax-free compounding',
								columns:['Yr','Invested','Interest','Balance'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.gain), L.inr(r.value)];}),
								note:'PPF interest is fully tax-free under Section 80C. Balance grows faster every year.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [PPF Calculator Monthly Investment — Free Tool](https://cardmintra.com/calculators/ppf-calculator-monthly-investment/): PPF calculator monthly investment: see exact maturity, interest &amp; tax savings. Try free tool for ₹500–₹12,500/month scenarios.
	<div class="fincalc theme-purple" id="fc-sip-41" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
								<div class="fc-toggles">
					<button class="fc-toggle is-active" data-fc-mode="sip">SIP</button>
					<button class="fc-toggle " data-fc-mode="lump">Lumpsum</button>
				</div>
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-41');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [2000 Per Month Mutual Fund Returns — Free Calculator](https://cardmintra.com/calculators/2000-per-month-mutual-fund-returns/): 2000 per month mutual fund returns can grow to ₹15L+ in 15 years. Use our free SIP calculator to see exact numbers. Try it now!
	<div class="fincalc theme-purple" id="fc-sip-42" data-mode="lump">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Lumpsum Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="500,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="10000"
					       max="50000000"
					       step="5000"
					       value="500000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹10K</span>
						<span data-fc-out="amt-max">₹5Cr</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-42');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:500000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Lumpsum Calculator for Mutual Fund — Free &#038; Instant](https://cardmintra.com/calculators/lumpsum-calculator-for-mutual-fund/): Lumpsum calculator for mutual fund shows exact returns in seconds. Enter amount, rate &amp; years. Try free now.
	<div class="fincalc theme-purple" id="fc-sip-43" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-43');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [SIP Calculator for 18 Years — Free Tool &#038; Results](https://cardmintra.com/calculators/sip-calculator-for-18-years/): SIP calculator for 18 years shows your exact returns. ₹5,000/month at 12% grows to ₹40L+. Try free tool, see year-by-year results.
- [Personal Loan EMI for 2 Lakh — Rates, Tables &#038; Tips](https://cardmintra.com/calculators/personal-loan-emi-for-2-lakh/): Personal loan EMI for 2 lakh starts at ₹4,244/month. Compare rates, tenures &amp; total interest. Use our free calculator now.
- [Education Loan EMI for 10 Lakhs — Calculate Instantly](https://cardmintra.com/calculators/education-loan-emi-for-10-lakhs/): Education loan EMI for 10 lakhs starts at ₹10,531/month. Compare tenures, rates &amp; save on interest. Use free calculator now.
- [Car Loan EMI for 10 Lakhs — Rates, Tables &#038; Tips](https://cardmintra.com/calculators/car-loan-emi-for-10-lakhs/): Car loan EMI for 10 lakhs starts at ₹9,067/month. See exact EMI tables, formula &amp; tips to save interest. Calculate now.
- [Home Loan EMI for 50 Lakhs — Calculate Instantly](https://cardmintra.com/calculators/home-loan-emi-for-50-lakhs/): Home loan EMI for 50 lakhs starts at ₹43,391/month at 8.5% for 20 years. See exact EMIs, compare tenures &amp; save on interest.
	<div class="fincalc theme-cyan" id="fc-gst-48">
		<div class="fc-head">
			<h2>🧾 GST Calculator</h2>
			<p>Add or remove GST instantly at any slab</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Enter Details</h3>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Calculation Type</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-mode="add">Add GST</button>
						<button class="fc-toggle" data-fc-mode="remove">Remove GST</button>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Amount (before GST)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt" value="10,000" inputmode="numeric"></span>
					</div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">GST Rate</label>
					<div class="fc-toggles fc-gst-rates">
													<button class="fc-toggle " data-fc-rate="5">5%</button>
													<button class="fc-toggle " data-fc-rate="12">12%</button>
													<button class="fc-toggle is-active" data-fc-rate="18">18%</button>
													<button class="fc-toggle " data-fc-rate="28">28%</button>
											</div>
					<div class="fc-field-row" style="margin-top:10px">
						<label class="fc-label">Custom Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="18" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Tip:</strong> Use “Remove GST” when a price is GST-inclusive and you need the base value (e.g. for input tax credit).</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl" data-fc-out="total-lbl">Total (incl. GST)</p>
					<p class="val" data-fc-out="total">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Base Amount</p><p class="val" data-fc-out="base">₹0</p></div>
						<div class="fc-mini"><p class="lbl">GST Amount</p><p class="val" data-fc-out="gst">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>GST Split (CGST + SGST)</h3>
					<table class="fc-table" style="font-size:13px">
						<tbody>
							<tr><td>CGST (<span data-fc-out="half-rate">9</span>%)</td><td data-fc-out="cgst">₹0</td></tr>
							<tr><td>SGST (<span data-fc-out="half-rate2">9</span>%)</td><td data-fc-out="sgst">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Total GST</td><td data-fc-out="gst-row">₹0</td></tr>
						</tbody>
					</table>
					<p style="font-size:11px;color:var(--fc-muted);margin:8px 0 0">For inter-state supply, this is charged as a single IGST instead.</p>
				</div>

							</div>
		</div>

		<p class="fc-foot">Indicative GST. Confirm the applicable slab for your goods/services with a tax professional.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-gst-48');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={mode:'add', amt:10000, rate:18};

			function calc(){
				var base, gst, total;
				if(state.mode==='add'){
					base=state.amt; gst=base*state.rate/100; total=base+gst;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (before GST)';
					$('[data-fc-out="total-lbl"]').textContent='Total (incl. GST)';
				}else{
					total=state.amt; base=total/(1+state.rate/100); gst=total-base;
					$('[data-fc-out="amt-lbl"]').textContent='Amount (incl. GST)';
					$('[data-fc-out="total-lbl"]').textContent='Base (excl. GST)';
				}
				var headline=(state.mode==='add')?total:base;
				$('[data-fc-out="total"]').textContent=FC.inr(headline);
				$('[data-fc-out="base"]').textContent=FC.inr(base);
				$('[data-fc-out="gst"]').textContent=FC.inr(gst);
				$('[data-fc-out="gst-row"]').textContent=FC.inr(gst);
				$('[data-fc-out="cgst"]').textContent=FC.inr(gst/2);
				$('[data-fc-out="sgst"]').textContent=FC.inr(gst/2);
				var half=(state.rate/2);
				$('[data-fc-out="half-rate"]').textContent=half;
				$('[data-fc-out="half-rate2"]').textContent=half;
			}

			$$('[data-fc-mode]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.mode=b.dataset.fcMode;calc();
				});
			});
			$$('[data-fc-rate]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-rate]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.rate=+b.dataset.fcRate;
					$('[data-fc="rate-d"]').value=state.rate;calc();
				});
			});

			var amtIn=$('[data-fc="amt"]');
			amtIn.addEventListener('input',function(){state.amt=FC.parseNum(amtIn.value);calc();});
			amtIn.addEventListener('blur',function(){amtIn.value=FC.parseNum(amtIn.value).toLocaleString('en-IN');});
			var rateIn=$('[data-fc="rate-d"]');
			rateIn.addEventListener('input',function(){
				state.rate=FC.parseNum(rateIn.value);
				$$('[data-fc-rate]').forEach(function(x){x.classList.toggle('is-active', +x.dataset.fcRate===state.rate)});
				calc();
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gst',
					category:'GST',
					context:function(){
						var L=fincalcLead, base, gst, total;
						if(state.mode==='add'){base=state.amt;gst=base*state.rate/100;total=base+gst;}
						else{total=state.amt;base=total/(1+state.rate/100);gst=total-base;}
						return {
							title:'GST Calculation Report',
							summaryText:(state.mode==='add'?'Add ':'Remove ')+state.rate+'% GST | Base '+L.inr(base)+' GST '+L.inr(gst),
							summaryLines:[
								['Calculation Type', (state.mode==='add'?'Add GST':'Remove GST')],
								['GST Rate', state.rate+'%'],
								['Base Amount', L.inr(base)],
								['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
								['Total (incl. GST)', L.inr(total)]
							],
							table:{
								heading:'Breakdown',
								columns:['Item','Amount'],
								rows:[
									['Base amount', L.inr(base)],
									['CGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['SGST ('+(state.rate/2)+'%)', L.inr(gst/2)],
									['Total GST', L.inr(gst)],
									['', L.inr(total)]
								],
								note:'Intra-state supply splits GST into CGST + SGST. Inter-state uses a single IGST at the full rate.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [How to Calculate GST from Total Amount — Free Calculator](https://cardmintra.com/calculators/how-to-calculate-gst-from-total-amount/): How to calculate GST from total amount in seconds. Use our free GST calculator, see formulas, examples &amp; tables for 5%, 12%, 18% &amp; 28% slabs.
	<div class="fincalc theme-amber" id="fc-grat-49">
		<div class="fc-head">
			<h2>💼 Gratuity Calculator</h2>
			<p>As per Payment of Gratuity Act, 1972</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Employment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Last Drawn Basic + DA (Monthly)</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="sal-d" value="50,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="sal" min="10000" max="500000" step="1000" value="50000">
					<div class="fc-range-labels"><span>₹10K</span><span>₹5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Years of Service</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="0" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>0 yrs</span><span>40 yrs</span></div>
				</div>

				<div class="fc-field">
					<label class="fc-label" style="display:block;margin-bottom:8px">Coverage Under Act</label>
					<div class="fc-toggles">
						<button class="fc-toggle is-active" data-fc-cov="yes">Covered (÷26)</button>
						<button class="fc-toggle" data-fc-cov="no">Not Covered (÷30)</button>
					</div>
				</div>

				<div class="fc-tip"><strong>💡 Eligibility:</strong> Minimum 5 years of continuous service. Tax-free up to ₹20 lakh.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Gratuity Amount</p>
					<p class="val" data-fc-out="grat">₹0</p>
					<p class="sub" data-fc-out="elig">Eligible</p>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Tax Position</h3>
					<table class="fc-table" style="font-size:12px">
						<tbody>
							<tr><td>Tax-free limit</td><td>₹20,00,000</td></tr>
							<tr><td>Your gratuity</td><td data-fc-out="grat-row">₹0</td></tr>
							<tr><td>Taxable amount</td><td data-fc-out="taxable">₹0</td></tr>
							<tr style="background:var(--fc-primary-light);font-weight:700"><td>Status</td><td data-fc-out="tax-status">Tax-Free</td></tr>
						</tbody>
					</table>
				</div>

							</div>
		</div>

		<p class="fc-foot">Formula: (Last Salary × 15 × Years) ÷ 26 (covered) or ÷ 30 (not covered). Capped at ₹20 lakh.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-grat-49');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};
			var state={sal:50000, yrs:10, covered:true};

			function calc(){
				var divisor=state.covered?26:30;
				var grat=(state.sal*15*state.yrs)/divisor;
				grat=Math.min(grat,2000000);
				var eligible=(state.yrs>=5);
				if(!eligible)grat=0;
				var taxable=Math.max(0,grat-2000000);
				$('[data-fc-out="grat"]').textContent=FC.inr(grat);
				$('[data-fc-out="grat-row"]').textContent=FC.inr(grat);
				$('[data-fc-out="elig"]').textContent=eligible?'Eligible — 5+ years of service':'Not eligible (need 5+ years)';
				$('[data-fc-out="taxable"]').textContent=FC.inr(taxable);
				$('[data-fc-out="tax-status"]').textContent=(taxable===0?'Tax-Free':'Partially Taxable');
			}

			FC.bindSlider({slider:$('[data-fc="sal"]'), input:$('[data-fc="sal-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.sal=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			$$('[data-fc-cov]').forEach(function(b){
				b.addEventListener('click',function(){
					$$('[data-fc-cov]').forEach(function(x){x.classList.remove('is-active')});
					b.classList.add('is-active');
					state.covered=(b.dataset.fcCov==='yes');
					calc();
				});
			});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'gratuity',
					category:'Gratuity',
					context:function(){
						var L=fincalcLead, divisor=state.covered?26:30;
						var raw=(state.sal*15*state.yrs)/divisor;
						var grat=Math.min(raw,2000000);
						var eligible=(state.yrs>=5); if(!eligible)grat=0;
						var taxable=Math.max(0,grat-2000000);
						return {
							title:'Gratuity Report',
							summaryText:'Gratuity '+L.inr(grat)+' for '+state.yrs+' yrs @ '+L.inr(state.sal)+'/mo',
							summaryLines:[
								['Last drawn salary (Basic+DA)', L.inr(state.sal)],
								['Years of service', state.yrs+' years'],
								['Covered under Gratuity Act', (state.covered?'Yes (÷26)':'No (÷30)')],
								['Eligibility', (eligible?'Eligible (5+ yrs)':'Not eligible (<5 yrs)')],
								['Gratuity payable', L.inr(grat)],
								['Taxable portion', L.inr(taxable)]
							],
							table:{
								heading:'Formula used',
								columns:['Step','Detail'],
								rows:[
									['Formula','(15 x Salary x Years) / '+divisor],
									['Calculation','(15 x '+L.inr(state.sal)+' x '+state.yrs+') / '+divisor],
									['Raw amount', L.inr(raw)],
									['Tax-free cap', L.inr(2000000)],
									['Final gratuity', L.inr(grat)]
								],
								note:'Payment of Gratuity Act, 1972. Tax-free up to Rs 20 lakh.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Gratuity Calculator for 5 Years Service — Free Tool](https://cardmintra.com/calculators/gratuity-calculator-5-years-service/): Gratuity calculator for 5 years service — find your exact payout instantly. Covers formula, tax rules &amp; real ₹ examples. Try free tool now.
	<div class="fincalc theme-teal" id="fc-ppf-50">
		<div class="fc-head">
			<h2>🏦 PPF Calculator</h2>
			<p>Tax-free returns under Section 80C • Govt-backed</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				<h3>Investment Details</h3>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Yearly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="150,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="150000"
					       step="500" value="150000">
					<div class="fc-range-labels"><span>₹500</span><span>₹1.5L</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Interest Rate</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="7.1" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="6" max="9" step="0.1" value="7.1">
					<div class="fc-range-labels"><span>6%</span><span>9%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Tenure</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="15" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="15" max="30" step="1" value="15">
					<div class="fc-range-labels"><span>15 yrs</span><span>30 yrs</span></div>
				</div>

				<div class="fc-tip"><strong>💡 PPF benefits:</strong> Tax-free interest, 15-year lock-in, Section 80C deduction up to ₹1.5L/year.</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Amount</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Interest Earned</p><p class="val" data-fc-out="int">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Breakdown</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="int" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Interest (<span data-fc-out="np">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-ppf-50');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var state={amt:150000, rate:7.1, yrs:15};

			function calc(){
				var mat=FC.annualCompound(state.amt,state.rate,state.yrs);
				var inv=state.amt*state.yrs;
				var intr=mat-inv;
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="int"]').textContent=FC.inr(intr);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="int"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="np"]').textContent=100-iPct;
			}

			FC.bindSlider({slider:$('[data-fc="amt"]'), input:$('[data-fc="amt-d"]'),
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'ppf',
					category:'PPF',
					context:function(){
						var L=fincalcLead, rows=L.ppfByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:'PPF Maturity Report',
							summaryText:'PPF '+L.inr(state.amt)+'/yr @ '+state.rate+'% for '+state.yrs+' yrs | Maturity '+L.inr(last.value),
							summaryLines:[
								['Yearly Deposit', L.inr(state.amt)],
								['Interest Rate', state.rate+'% p.a.'],
								['Tenure', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Interest Earned', L.inr(last.gain)],
								['Maturity Amount', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year balance — tax-free compounding',
								columns:['Yr','Invested','Interest','Balance'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.gain), L.inr(r.value)];}),
								note:'PPF interest is fully tax-free under Section 80C. Balance grows faster every year.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [PPF Calculator Monthly Deposit — Free Tool &#038; Results](https://cardmintra.com/calculators/ppf-calculator-monthly-deposit/): PPF calculator monthly deposit tool — see exact maturity amount, interest earned &amp; year-by-year growth. Free, instant results for FY2025–26.
	<div class="fincalc theme-purple" id="fc-sip-51" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
								<div class="fc-toggles">
					<button class="fc-toggle is-active" data-fc-mode="sip">SIP</button>
					<button class="fc-toggle " data-fc-mode="lump">Lumpsum</button>
				</div>
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-51');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [3000 Per Month Mutual Fund Returns — Free Calculator](https://cardmintra.com/calculators/3000-per-month-mutual-fund-returns/): 3000 per month mutual fund returns calculated free. See exact SIP growth at 10%, 12%, 15% over 5–20 years. Try the calculator now.
	<div class="fincalc theme-purple" id="fc-sip-52" data-mode="lump">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Lumpsum Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="500,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="10000"
					       max="50000000"
					       step="5000"
					       value="500000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹10K</span>
						<span data-fc-out="amt-max">₹5Cr</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-52');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:500000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [Lumpsum Calculator for 30 Years — Free &#038; Accurate](https://cardmintra.com/calculators/lumpsum-calculator-for-30-years/): Lumpsum calculator for 30 years: see how ₹1L grows to ₹17L+ at 10%. Free tool with tables, formula &amp; tips. Try now.
	<div class="fincalc theme-purple" id="fc-sip-53" data-mode="sip">
		<div class="fc-head">
			<h2>📈 SIP &amp; Lumpsum Calculator</h2>
			<p>See how your investment grows over time</p>
		</div>

		<div class="fc-grid">
			<div class="fc-card">
				
				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label" data-fc-out="amt-lbl">Monthly Investment</label>
						<span class="fc-pill"><span class="prefix">₹</span><input type="text" data-fc="amt-d" value="5,000" inputmode="numeric"></span>
					</div>
					<input type="range" class="fc-slider" data-fc="amt"
					       min="500"
					       max="200000"
					       step="500"
					       value="5000">
					<div class="fc-range-labels">
						<span data-fc-out="amt-min">₹500</span>
						<span data-fc-out="amt-max">₹2L</span>
					</div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Expected Return (p.a.)</label>
						<span class="fc-pill"><input type="text" data-fc="rate-d" value="12" style="width:48px" inputmode="decimal"><span class="suffix">%</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="rate" min="1" max="30" step="0.5" value="12">
					<div class="fc-range-labels"><span>1%</span><span>30%</span></div>
				</div>

				<div class="fc-field">
					<div class="fc-field-row">
						<label class="fc-label">Time Period</label>
						<span class="fc-pill"><input type="text" data-fc="yrs-d" value="10" style="width:40px" inputmode="numeric"><span class="suffix">yrs</span></span>
					</div>
					<input type="range" class="fc-slider" data-fc="yrs" min="1" max="40" step="1" value="10">
					<div class="fc-range-labels"><span>1 yr</span><span>40 yrs</span></div>
				</div>
			</div>

			<div>
				<div class="fc-hero">
					<p class="lbl">Maturity Value</p>
					<p class="val" data-fc-out="mat">₹0</p>
					<div class="fc-mini-grid">
						<div class="fc-mini"><p class="lbl">Total Invested</p><p class="val" data-fc-out="inv">₹0</p></div>
						<div class="fc-mini"><p class="lbl">Wealth Gain</p><p class="val" data-fc-out="gain">₹0</p></div>
					</div>
				</div>

				<div class="fc-card" style="margin-top:14px">
					<h3>Invested vs Returns</h3>
					<div class="fc-bar">
						<div class="p" data-fc-bar="inv" style="width:50%"></div>
						<div class="i" data-fc-bar="gain" style="width:50%"></div>
					</div>
					<div class="fc-bar-legend">
						<span class="p">Invested (<span data-fc-out="ip">50</span>%)</span>
						<span class="i">Returns (<span data-fc-out="gp">50</span>%)</span>
					</div>
				</div>

							</div>
		</div>

		<p class="fc-foot">Returns are estimates. Mutual fund investments are subject to market risk.</p>
	</div>

	<script>
	(function(){
		function init(){
			if(!window.FC){setTimeout(init,50);return}
			var root=document.getElementById('fc-sip-53');
			if(!root||root.dataset.fcInit)return;root.dataset.fcInit=1;
			var $=function(s){return root.querySelector(s)};
			var $$=function(s){return root.querySelectorAll(s)};

			var state={mode:root.dataset.mode, amt:5000, rate:12, yrs:10};
			var amtSl=$('[data-fc="amt"]'), amtIn=$('[data-fc="amt-d"]');

			function calc(){
				var mat=0, inv=0;
				if(state.mode==='sip'){
					mat=FC.sipFV(state.amt,state.rate,state.yrs);
					inv=state.amt*state.yrs*12;
				}else{
					mat=FC.lumpsumFV(state.amt,state.rate,state.yrs);
					inv=state.amt;
				}
				var gain=Math.max(0,mat-inv);
				$('[data-fc-out="mat"]').textContent=FC.inr(mat);
				$('[data-fc-out="inv"]').textContent=FC.inr(inv);
				$('[data-fc-out="gain"]').textContent=FC.inr(gain);
				var iPct=mat>0?Math.round(inv/mat*100):50;
				$('[data-fc-bar="inv"]').style.width=iPct+'%';
				$('[data-fc-bar="gain"]').style.width=(100-iPct)+'%';
				$('[data-fc-out="ip"]').textContent=iPct;
				$('[data-fc-out="gp"]').textContent=100-iPct;
			}

			$$('[data-fc-mode]').forEach(function(btn){
				btn.addEventListener('click',function(){
					$$('[data-fc-mode]').forEach(function(b){b.classList.remove('is-active')});
					btn.classList.add('is-active');
					state.mode=btn.dataset.fcMode;
					var lbl=$('[data-fc-out="amt-lbl"]');
					if(state.mode==='sip'){
						lbl.textContent='Monthly Investment';
						amtSl.min=500;amtSl.max=200000;amtSl.step=500;amtSl.value=5000;
						$('[data-fc-out="amt-min"]').textContent='₹500';
						$('[data-fc-out="amt-max"]').textContent='₹2L';
					}else{
						lbl.textContent='Lumpsum Investment';
						amtSl.min=10000;amtSl.max=50000000;amtSl.step=5000;amtSl.value=500000;
						$('[data-fc-out="amt-min"]').textContent='₹10K';
						$('[data-fc-out="amt-max"]').textContent='₹5Cr';
					}
					state.amt=+amtSl.value;
					amtIn.value=state.amt.toLocaleString('en-IN');
					FC.updateFill(amtSl);
					calc();
				});
			});

			FC.bindSlider({slider:amtSl, input:amtIn,
				format:function(v){return Number(v).toLocaleString('en-IN')},
				onChange:function(v){state.amt=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="rate"]'), input:$('[data-fc="rate-d"]'),
				format:function(v){return Number(v).toFixed(1)},
				onChange:function(v){state.rate=+v;calc()}});
			FC.bindSlider({slider:$('[data-fc="yrs"]'), input:$('[data-fc="yrs-d"]'),
				format:function(v){return String(Math.round(v))},
				onChange:function(v){state.yrs=+v;calc()}});

			calc();

			if(window.fincalcLead){
				fincalcLead.attach(root,{
					calculator:'sip',
					category:'SIP / Lumpsum',
					context:function(){
						var L=fincalcLead, isSip=(state.mode==='sip');
						var rows=isSip?L.sipByYear(state.amt,state.rate,state.yrs):L.lumpByYear(state.amt,state.rate,state.yrs);
						var last=rows[rows.length-1];
						return {
							title:(isSip?'SIP Investment Report':'Lumpsum Investment Report'),
							summaryText:(isSip?'SIP ':'Lumpsum ')+L.inr(state.amt)+(isSip?'/mo':'')+' @ '+state.rate+'% for '+state.yrs+' yrs | Value '+L.inr(last.value),
							summaryLines:[
								[(isSip?'Monthly Investment':'One-time Investment'), L.inr(state.amt)],
								['Expected Return', state.rate+'% p.a.'],
								['Time Period', state.yrs+' years'],
								['Total Invested', L.inr(last.invested)],
								['Wealth Gained', L.inr(last.gain)],
								['Maturity Value', L.inr(last.value)]
							],
							table:{
								heading:'Year-by-year growth — watch your wealth compound',
								columns:['Yr','Invested','Value','Gain'],
								rows:rows.map(function(r){return [r.year, L.inr(r.invested), L.inr(r.value), L.inr(r.gain)];}),
								note:'Compounding accelerates in later years — the longer you stay invested, the bigger the gain.'
							}
						};
					}
				});
			}
		}
		if(document.readyState!=='loading')init();
		else document.addEventListener('DOMContentLoaded',init);
	})();
	</script>
	- [SIP Calculator for 25 Years — Free Tool &#038; Results](https://cardmintra.com/calculators/sip-calculator-for-25-years/): SIP calculator for 25 years: see exactly how ₹5,000/month grows to ₹1+ crore. Free tool, instant results, 3 scenarios.

## Cards Issures
- [Axis Bank Rewards Credit Card](https://cardmintra.com/axis-bank/axis-bank-rewards-credit-card/): Here are the eligibility criteria for the Axis Bank Rewards Credit Card :-
- [IndianOil Axis Bank RuPay Credit Card](https://cardmintra.com/axis-bank/indianoil-axis-bank-rupay-credit-card/): To be eligible for an IndianOil Axis Bank RuPay credit card: 
- [ICICI Bank Student Sapphiro Forex Prepaid Card](https://cardmintra.com/icici-bank/icici-bank-student-sapphiro-forex-prepaid-card/): Charge Type Details Joining/Annual Fee ₹499 (entry-level) to ₹12,500 (super-premium), mostly waived on eligible spends Interest Rate 3.4% – 3.6% monthly on revolved balances Cash Advance Fee Around 2.5% of withdrawn amount or minimum ₹500, whichever is higher Forex Markup ~3.5% + GST on most cards; ~2% + GST on premium cards (Regalia, Diners, Infinia) Late Payment Fee Slab-based, ranging from ₹100 up to ₹1,300 depending on outstanding balance Over-Limit Fee Approximately 2.5% of the over-limit amount Please enable JavaScript for this form to work.
- [Niyo Global Card by Equitas Bank](https://cardmintra.com/forex-cards/niyo-global-card-by-equitas-bank/)
- [BOBCARD Uni GoldX Credit Card](https://cardmintra.com/fintech-cards/bobcard-uni-goldx-credit-card/)
- [IndusInd Bank Tiger Credit Card](https://cardmintra.com/fintech-cards/indusind-bank-tiger-credit-card/)
- [OneCard Metal Credit Card](https://cardmintra.com/fintech-cards/onecard-metal-credit-card/): &nbsp;
- [ICICI Bank HPCL Super Saver Credit Card](https://cardmintra.com/icici-bank/icici-bank-hpcl-super-saver-credit-card/)
- [American Express Membership Rewards® Credit Card](https://cardmintra.com/amex/american-express-membership-rewards-credit-card/)
- [American Express SmartEarn Credit Card](https://cardmintra.com/amex/american-express-smartearn-credit-card/)
- [American Express Platinum Travel Credit Card](https://cardmintra.com/amex/american-express-platinum-travel-credit-card/)
- [American Express Platinum Reserve Credit Card](https://cardmintra.com/amex/american-express-platinum-reserve-credit-card/)
- [SBI SimplyCLICK Credit Card](https://cardmintra.com/sbi-card/sbi-simplyclick-credit-card/): If you love shopping and regularly spend on things like clothes, food and entertainment, then you should consider applying for the SBI SimplyCLICK Credit Card because you can earn rewards on all your spending. The other feature that makes it beneficial is the Welcome voucher. 
- [Federal Bank RuPay Signet Credit Card](https://cardmintra.com/federal-bank/federal-bank-rupay-signet-credit-card/)
- [Federal Bank Imperio Credit Card](https://cardmintra.com/federal-bank/federal-bank-imperio-credit-card/)
- [Federal Bank Visa Celesta Credit Card](https://cardmintra.com/federal-bank/federal-bank-visa-celesta-credit-card/)
- [Federal Bank RuPay Wave Credit Card](https://cardmintra.com/federal-bank/federal-bank-rupay-wave-credit-card/)
- [Yes Bank RuPay Credit Card](https://cardmintra.com/yes-bank-credit-cards-best-offers/yes-bank-rupay-credit-card/)
- [YES Bank BYOC Credit Card](https://cardmintra.com/yes-bank/yes-bank-byoc-credit-card/)
- [Yes Bank Marquee Credit Card](https://cardmintra.com/international-travel/yes-bank-marquee-credit-card/)
- [YES ACE Credit Card](https://cardmintra.com/yes-bank/yes-ace-credit-card/)
- [Yes Bank Wellness Credit Card](https://cardmintra.com/yes-bank/yes-bank-wellness-credit-card/)
- [YES Prosperity Rewards Credit Card](https://cardmintra.com/yes-bank/yes-prosperity-rewards-credit-card/)
- [Myntra Kotak Credit Card](https://cardmintra.com/kotak-mahindra/myntra-kotak-credit-card/)
- [IndianOil Kotak Credit Card](https://cardmintra.com/kotak-mahindra/indianoil-kotak-credit-card/)
- [Kotak 811 Credit Card](https://cardmintra.com/kotak-mahindra/kotak-811-credit-card/)
- [Kotak Royale Signature Credit Card](https://cardmintra.com/kotak-royale-signature-credit-card/)
- [Kotak League Platinum Credit Card](https://cardmintra.com/kotak-mahindra/kotak-league-platinum-credit-card/)
- [Kotak Urbane Gold Credit Card](https://cardmintra.com/kotak-mahindra/kotak-urbane-gold-credit-card/)
- [BOBCARD Premier Credit Card](https://cardmintra.com/bob-card/bobcard-premier-credit-card/)
- [BOBCARD Easy Credit Card](https://cardmintra.com/rupay-credit-cards/bobcard-easy-credit-card/)
- [BOBCARD Select Credit Card](https://cardmintra.com/bob-card/bobcard-select-credit-card/)
- [BOBCARD Tiara Credit Card](https://cardmintra.com/bob-card/bobcard-tiara-credit-card/)
- [IRCTC RuPay BOBCARD Credit Card](https://cardmintra.com/travel/irctc-rupay-bobcard-credit-card/)
- [BOBCARD ETERNA Credit Card](https://cardmintra.com/rewards/bobcard-eterna-credit-card/)
- [Standard Chartered Platinum Rewards Credit Card](https://cardmintra.com/standard-chartered/standard-chartered-platinum-rewards-credit-card/)
- [Standard Chartered Smart Credit Card](https://cardmintra.com/standard-chartered-smart-credit-card/)
- [Standard Chartered Ultimate Credit Card](https://cardmintra.com/international-travel/standard-chartered-ultimate-credit-card/)
- [Standard Chartered Emirates World Credit Card](https://cardmintra.com/standard-chartered/standard-chartered-emirates-world-credit-card/)
- [HSBC Live+ Credit Card – Cashback on Groceries](https://cardmintra.com/best-credit-cards/hsbc-live-credit-card-cashback-on-groceries/)
- [HSBC Visa Platinum Credit Card](https://cardmintra.com/lifetime-free/hsbc-visa-platinum-credit-card/)
- [HSBC TravelOne Credit Card](https://cardmintra.com/hsbc/hsbc-travelone-credit-card/)
- [HSBC Smart Value Credit Card](https://cardmintra.com/hsbc/hsbc-smart-value-credit-card/)
- [BookMyShow RBL Bank Play Credit Card](https://cardmintra.com/rbl/bookmyshow-rbl-bank-play-credit-card/)
- [IRCTC RBL Bank Credit Card](https://cardmintra.com/rbl/irctc-rbl-bank-credit-card/)
- [IndianOil RBL Bank Credit Card](https://cardmintra.com/rbl/indianoil-rbl-bank-credit-card/)
- [RBL World Safari Credit Card](https://cardmintra.com/international-travel/rbl-world-safari-credit-card/)
- [RBL Bank Platinum Maxima Plus Credit Card](https://cardmintra.com/rbl/rbl-bank-platinum-maxima-plus-credit-card/)
- [RBL Bank Insignia Preferred Banking World Card](https://cardmintra.com/rbl/rbl-bank-insignia-preferred-banking-world-card/)
- [IDFC FIRST Millennia Credit Card](https://cardmintra.com/lifetime-free/idfc-first-millennia-credit-card/)