# Rs 10,000 SIP in mutual funds vs crypto: what changes in 5 years 2026-09-24T22:51:32+00:00 | Business & Economy | Indian Opinion Desk Corroboration: 1 independent outlet A monthly investment of Rs 10,000 in a mutual fund SIP yielding an annualised return of 12% would grow to approximately Rs 8.17 lakh over five years, according to NDTV Profit's calculation. The comparison assumes consistent returns from a diversified equity mutual fund, while cryptocurrency investments carry higher volatility and no guaranteed rate of return. The analysis did not specify which crypto asset or strategy was used for comparison. Investors are advised to consider risk tolerance and time horizon before choosing between the two asset classes. The next step for readers is to review their own portfolio allocation and consult a financial advisor. ## Indian Opinion Analysis Mutual fund SIPs have been the default retail investment vehicle in India for decades, with the Securities and Exchange Board of India mandating standardised disclosure since 2013. Crypto, by contrast, lacks a domestic regulatory framework: the government has not classified it as a security or commodity, and the Reserve Bank of India has repeatedly warned about systemic risk. The real difference for an Indian investor is not just volatility but tax treatment: mutual fund gains are taxed under the income tax slab or as capital gains, while crypto gains are taxed at a flat 30% under the 2022 Finance Act. With no dispute resolution mechanism for crypto exchanges and no deposit insurance, the safety gap is far wider than the return gap. The Budget in February may clarify the government's stance on a crypto consultation paper expected by mid-2025. ## Coverage - ndtvprofit.com Tags: cryptocurrency, mutual funds, Reserve Bank of India, SEBI Canonical: https://indianopinion.org/rs-10000-sip-in-mutual-funds-vs-crypto-what-changes-in-5-years/ License: Summary and commentary (c) Indian Opinion, reusable with attribution. Facts belong to the linked sources. Cite: https://indianopinion.org/rs-10000-sip-in-mutual-funds-vs-crypto-what-changes-in-5-years/#story-in-brief