Questions, answered

CompoundX is a platform for understanding, planning and growing your money. You can learn how investments work in the Academy, see where you stand with the Wealth Lab, plan goals in Goal Studio, run the numbers with our calculators, and talk to a CompoundX relationship manager. When you decide to invest in a product we make available, a regulated partner handles KYC and transaction execution, and CompoundX stays with you to track goals and review progress.

No. Most of CompoundX is useful well before you invest anything: the Academy, the glossary, the calculators, Goal Studio and the Wealth Lab all work without an account. Create an account if you want to save results and track goals, or book a consultation when you have questions about your own situation. Whether, when and how to invest stays your decision.

CompoundX provides education, calculators, factual analytics and goal planning. These are illustrations built on assumptions you can see and change — not personalised recommendations to buy or sell a particular product. Any regulatory registrations CompoundX holds, and the services they cover, are listed on our Disclosures page. For decisions about your own situation, you can talk to a CompoundX relationship manager, and you may also choose to consult a SEBI-registered investment adviser.

Start with the basics in the Academy: what compounding is, how mutual funds and deposits differ, and why an emergency fund usually comes first. Then try the Wealth Lab for a snapshot of where you stand, and the SIP Lab or Goal Studio to see what a goal might take. None of this commits you to anything, and you can bring your questions to a CompoundX relationship manager at any point.

No. CompoundX does not hold client money or securities. When you invest in a product made available through CompoundX, you pay from your own bank account through the regulated partner’s or product provider’s payment process, and your investments are held in your name with the product provider or depository. CompoundX keeps a record of each handoff and its status, so it can help you track your plan.

You can book a consultation by video call, phone or, where available, an office meeting, and pick a time that suits you. You can also request a call back from any calculator or product page, find our details on the Contact page, or ask Ask X to connect you with a CompoundX expert. Appointment times are shown in Indian Standard Time.

Not by default. CompoundX does not display live NAVs, deposit rates, bond prices or other market data unless a licensed data source has been connected — and where such data appears, its source and date are shown. Our education and calculators use clearly labelled, editable assumptions instead. For current figures, check the fund house, bank, issuer or exchange directly.

CompoundX may receive commission or fees from product providers or partners when you invest in products made available through it, as the applicable regulations permit. Where this applies, the nature of that compensation is set out on our Disclosures page and in the relevant product disclosures. Using the Academy, calculators and planning tools does not require you to pay or to invest.

A mutual fund pools money from many investors and invests it according to a stated objective — in shares, bonds, money-market instruments or a mix. Each investor owns units, and the value of each unit is the scheme’s NAV. Mutual funds in India are regulated by SEBI, and every scheme publishes its portfolio, costs and a riskometer. Returns are market-linked and not fixed in advance. Mutual fund investments are subject to market risks, read all scheme related documents carefully.

An SIP invests a fixed amount at regular intervals; a lumpsum invests a single amount at once. An SIP suits money that comes from monthly income and spreads your entry across market ups and downs. A lumpsum puts the full amount to work immediately, which helps if markets rise and hurts if they fall soon after. Many people use both. The SIP Lab lets you compare them with your own assumptions.

Every scheme has a direct plan, bought straight from the fund house, and a regular plan, bought through a distributor. Both hold the same portfolio. The regular plan’s expense ratio includes the distributor’s commission, so it is higher, and its NAV grows a little more slowly over time. In return, a distributor provides services such as help choosing schemes, paperwork and reviews. How CompoundX is compensated is set out on our Disclosures page.

Yes. Most fund houses let you pause an SIP for a limited period, change its amount or date, or stop it altogether. Units you already hold stay invested and can be redeemed under the scheme’s terms, subject to any exit load and, for ELSS, the three-year lock-in. Requests usually need to reach the fund house some days before the next instalment date; the notice period varies by fund house.

Under current rules, gains on equity-oriented funds held for more than 12 months are long-term: gains above ₹1.25 lakh in a year are taxed at 12.5%. Gains on units held for 12 months or less are taxed at 20%. Gains on debt funds bought on or after 1 April 2023 are taxed at your slab rate, however long you hold them. Surcharge and cess apply on top. See capital gains for more, and check current rules or a tax professional for your situation.

Under SEBI rules, fund houses must transfer redemption proceeds within three working days of the redemption date for most schemes, with longer timelines allowed for some — such as schemes investing mainly overseas — and in specified exceptional situations. Liquid and overnight funds typically pay out by the next business day. The NAV you receive depends on when your request reaches the fund house relative to its cut-off time.

CompoundX doesn’t name a fund for you to buy. Our tools help you work out what a goal may need, how your current holdings are spread, and how different categories behave, so you can narrow down what fits your horizon and comfort with risk. A CompoundX relationship manager can walk you through the options available on the platform; the final choice stays with you. For a personalised recommendation, consider a SEBI-registered investment adviser.

Fixed deposits are less volatile than market-linked investments, but they are not free of risk. Under current rules, bank deposits are covered by DICGC deposit insurance up to ₹5 lakh per depositor per bank; amounts above that depend on the bank’s health. Corporate and NBFC deposits are not covered by that insurance and carry the issuer’s credit risk, so check their credit rating. All FDs also carry inflation risk and reinvestment risk at maturity.

A cumulative FD reinvests interest and pays principal plus all interest at maturity, so interest compounds and the final amount is higher. A non-cumulative FD pays interest out monthly, quarterly, half-yearly or yearly, which suits anyone who needs regular income, and returns the principal at maturity. The FD Calculator shows both for the same rate and term.

Usually, yes. Most banks allow premature withdrawal but pay a reduced rate — often the rate for the period the deposit actually ran, less a penalty. Some deposits, such as tax-saving FDs, cannot be withdrawn early at all. The exact terms are set by each bank or company and stated when you open the deposit, so check them before you invest.

FD interest is generally added to your income and taxed at your slab rate, year by year as it accrues — even in a cumulative FD that pays out only at maturity. Under current rules, banks deduct TDS once interest at that bank exceeds ₹50,000 in a year, or ₹1,00,000 for senior citizens. If your total income is below the taxable limit, you can usually submit a self-declaration so tax isn’t deducted. Check the latest provisions.

Rates change often and differ by issuer, tenure, amount and depositor category. Rather than show figures that may be out of date, CompoundX displays FD rates only when they come from a configured provider, with the source and date shown. Until then, the FD Calculator lets you enter any rate you are considering and see the maturity amount, interest earned and payout schedule.

When you buy a bond, you lend money to the issuer — a government, public sector body or company. In return, the issuer usually pays a fixed coupon on set dates and repays the face value at maturity. Your return depends on the price you pay, the coupons you receive and whether the issuer pays as promised. YTM brings these together into one annual figure.

When market rates rise, new bonds offer higher coupons, so existing bonds with lower coupons are worth less to buyers; their prices fall until their yield matches the market. The longer a bond’s duration, the bigger the effect. If you hold a bond to maturity and the issuer pays as promised, these interim price moves don’t change what you receive at maturity.

A bond is a single loan with a fixed coupon schedule and maturity date; held to maturity, its cash flows are known as long as the issuer pays. A debt fund holds many bonds and money-market instruments, usually has no maturity date of its own, and its NAV moves every day with interest rates and credit events. Funds offer diversification and easy redemption; individual bonds offer predictable cash flows. Their tax treatment differs too.

A credit rating is a rating agency’s opinion of how likely an issuer is to pay interest and principal on time. Long-term ratings run from AAA, the highest safety, down to D, which indicates default. Higher-rated bonds usually offer lower yields. Ratings can change, and they don’t cover interest rate or liquidity risk, so read the rating rationale and not just the letter grade.

That depends on which products CompoundX has enabled with regulated partners. Where bonds are available, the Bonds page explains how to proceed; otherwise you can register your interest and a relationship manager will get in touch. Either way, the Bond Yield & Cashflow tool shows a bond’s coupon schedule and approximate yield before you decide anything.

The National Pension System is a market-linked retirement scheme regulated by PFRDA. Contributions are invested by pension fund managers in a mix of equity, corporate bonds and government securities that you choose, or that adjusts automatically with age. Indian citizens within the eligible age range can join, including many non-resident Indians, subject to conditions. Employers can also contribute for their employees under the corporate model.

Partial withdrawals from the Tier 1 account are allowed for specified purposes — such as children’s education or marriage, buying a home, or treating certain illnesses — subject to conditions and limits. PFRDA relaxed the rules on premature exit for many non-government subscribers in December 2025. The optional Tier 2 account is more flexible. Because the rules change from time to time, check PFRDA’s current regulations before you plan around them.

At normal exit, part of the corpus can be taken as a lump sum and the rest is used to buy an annuity from a life insurer, which pays a regular pension. Under PFRDA’s December 2025 changes, many non-government subscribers can take up to 80% as a lump sum, and smaller corpuses qualify for larger or full withdrawal. How much of the lump sum is tax-free under current law should be checked separately.

It depends on your tax regime and on whose contribution it is. Under the old regime, your own contributions can qualify for deductions within limits, including an additional deduction specific to NPS. Under the new regime, the main benefit is a deduction for your employer’s contribution, up to a percentage of salary. Withdrawals and annuity income are treated separately. These rules sit in the Income-tax Act, 2025 and can change, so check current provisions or a tax professional.

Under current SEBI rules, the minimum investment in Portfolio Management Services is ₹50 lakh per client, which some providers accept as cash or eligible securities. Individual portfolio managers can set higher minimums. Alternative Investment Funds typically need ₹1 crore per investor. Check each provider’s disclosure document for its current terms before you commit.

In a mutual fund you own units of a pooled scheme; in PMS you own the individual securities, held in your own demat account. PMS portfolios are often more concentrated, fees can include a performance-linked share, and every trade the manager makes can create a taxable event in your name. Mutual funds have lower minimums, standardised disclosures and daily NAVs. Neither structure is inherently better; they suit different needs and amounts.

CompoundX helps you understand PMS and, where the service is enabled, can connect you with a relationship manager to discuss the options available. Any PMS is provided by a SEBI-registered portfolio manager, whose registration and disclosure document you should review before investing. Availability and the provider’s details appear on the PMS page and in its product disclosures.

There is no single right number. A common approach adds up what your family would need without your income — years of household expenses, outstanding loans and future goals such as education — and subtracts your existing investments and cover. Another estimates the value of your future income, known as human life value. The Insurance Cover Calculator shows both methods with every assumption visible.

Term insurance is pure protection: it pays only if you die during the term, so a modest premium can buy a large cover amount. Savings-oriented plans combine some life cover with a maturity or investment component, which usually means much lower cover for the same premium, plus longer commitments and surrender costs. Many people prefer to keep protection and investing separate; either way, compare the cover, costs and terms.

Employer cover is valuable, but it usually ends when you leave the job, may have a modest sum insured, and may not cover parents or your later years. A personal health insurance policy stays with you, and its waiting periods start running from the day you buy it — so starting earlier means they are behind you by the time you may need the cover.

Non-disclosure can lead to a claim being rejected or the policy being cancelled. Under IRDAI’s 2024 rules, once a health policy has run continuously for 60 months, the insurer cannot contest a claim on grounds of non-disclosure or misrepresentation, except for established fraud. Honest disclosure at purchase is the simplest way to protect your cover; pre-existing conditions are then covered after their waiting period ends.

Our insurance pages are educational by default: they explain how cover works and help you estimate what you may need. CompoundX offers insurance purchase or referral only where the appropriate registration is in place, and any such details are published on our Disclosures page. You can always ask a CompoundX relationship manager to talk through your protection needs.

Each calculator applies a standard formula — compound growth, annuity or present-value arithmetic, for example — to the inputs and assumptions you set. Every assumption, such as the return rate or inflation, is visible and editable, and results update as you change them. Each tool explains its method. The calculators do arithmetic; they don’t know the future, so their results are illustrations, not forecasts.

They are hypothetical inputs — an expected return, an inflation rate, a step-up percentage — used to show how the arithmetic works. They are not predictions, recommendations or promises. CompoundX sets sensible starting values, and you can change every one of them to test different scenarios. Market-linked investments involve risk, and actual returns can be higher, lower or negative.

No. A calculator shows what would happen if the assumptions you entered held exactly — a steady return every year, for example. Real returns vary from year to year and can be negative, costs and taxes reduce outcomes, and your own contributions may change. Use results to compare scenarios and to understand the effect of time, amount and return, not as an estimate of a specific future value.

Small differences in convention change the answer. Calculators differ in whether instalments are invested at the start or the end of each month, how an annual rate is converted to a monthly one, and whether results are shown before or after costs and inflation. CompoundX documents the conventions it uses in each tool’s method notes. When two calculators use the same assumptions and conventions, their results should match closely.

Yes. With an account you can save calculations, goals and your Wealth Map and return to them from your dashboard. Many tools can also create a shareable link to a result. Shared links include the inputs and results only — never personal details such as your name, email address or phone number.

The Wealth Lab takes you through six short steps — about you, cash flow, assets, liabilities, protection and goals — and builds a Wealth Map: net worth, savings rate, debt-to-income, emergency-fund months, allocation, goal funding and protection observations. Its indicator bars summarise your inputs using a published methodology. They are not a credit score, a risk profile or a suitability assessment.

You can enter your mutual fund holdings manually or upload them using our CSV or XLSX template. Portfolio X-Ray then shows allocation, category mix, fund house and fund concentration, and overlap where the underlying data exists. It does not read consolidated account statement (CAS) files, and it never fills gaps with made-up holdings — where data isn’t available, it says so.

You can sign in with your email and password, with a one-time link sent to your email, or with a six-digit code sent to your email. Where enabled, you can also continue with Google. Never share a sign-in link or code with anyone — CompoundX staff will never ask you for one.

No. You can use the calculators, Goal Studio, the Wealth Lab and all learning content without signing in. An account lets you save calculations and Wealth Maps, track goals, see your appointments and investment handoff status, and pick up where you left off on another device.

Choose “Forgot password” on the sign-in page and enter your email address. If an account exists, we email a reset link that stays valid for 30 minutes. For your security, the message you see is the same whether or not the email is registered. You can also sign in with a one-time email link or code instead.

Open Privacy in your account and request a data export. We prepare a copy of the personal information and saved planning data linked to your account, and let you know when it is ready to download. You can review and change your communication and cookie consents from the same page.

Open Privacy in your account and submit a deletion request. We confirm the request and remove or anonymise your personal data, except records we must keep by law or regulation — such as certain consent, communication and transaction records — which are kept only for the required period. Our Privacy Policy explains what is kept and why.

We collect only what a feature needs, encrypt data in transit, store passwords and sign-in codes only as one-way hashes, and restrict staff access by role with an audit trail. We don’t ask for OTPs, passwords or full bank details in chat or enquiry forms, and analytics that identify you run only with your consent. KYC and payments are handled by regulated partners. The Privacy Policy has the details.

CompoundX is designed to organise goals and financial information by family member — yourself, a spouse, parents, children and others — so a household’s plans sit in one place. Where this feature is enabled, you can add family members from your account. Each person’s investments stay in their own name with the product provider.

Ask X is CompoundX’s education assistant. It answers questions about financial terms, how products work, how our calculators work and where to find things on the site, using CompoundX’s reviewed content and citing its sources. It is designed to explain, not to advise, and it can hand you over to a CompoundX expert whenever you would rather talk to a person.

No. Ask X doesn’t recommend specific funds, policies or other products, and it doesn’t judge whether something suits you. It can explain how a category works, what to compare and which CompoundX tools help you run the numbers. For a conversation about your own situation, choose “Talk to a CompoundX Expert” in Ask X or book a consultation.

No. Ask X doesn’t provide live NAVs, interest rates, prices or returns: it answers from CompoundX’s reviewed content, which contains no live market data. It will point you to where current figures are published — the fund house, bank, issuer or exchange — and to calculators where you can test a rate you are considering.

Conversations are stored securely so Ask X can keep context and so a CompoundX expert can follow up if you ask for one. Please don’t share sensitive details such as your full PAN, bank account numbers, passwords or OTPs in chat. How long conversations are kept, and how to request deletion, is explained in our Privacy Policy.

Choose “Talk to a CompoundX Expert” at any point in the conversation. Share your preferred contact details and a convenient time, and the request goes to a CompoundX relationship manager, who will follow up. You can also book a consultation directly.

CompoundX owns the experience: education, tools, goal planning, your relationship manager and ongoing reviews. When you decide to invest, regulated partners handle the activities regulation reserves for them — KYC, onboarding, transaction execution and the operational infrastructure behind products. You see the partner named on the handoff screen before you leave CompoundX, and our partner relationships are described on the Disclosures page.

Any registrations CompoundX holds — such as an AMFI Registration Number for mutual fund distribution, or registrations with SEBI or IRDAI — are published, with their numbers, on our Disclosures page. We describe CompoundX’s services only in ways those registrations permit, and we do not claim any registration that isn’t listed there.

KYC, account opening and transactions are completed on a regulated partner’s platform, because that is where the regulated activity happens. CompoundX records the handoff so it can show its status in your account and support you afterwards. Before you leave, we show who the partner is and what to expect. CompoundX never asks you to share passwords or OTPs for the partner’s platform.

Start with our Contact page or your relationship manager — most issues can be resolved quickly. If you are not satisfied, the Grievance Redressal page sets out the escalation steps, contact details and timelines, including how to approach the relevant regulator’s complaint system where applicable.