Financial What-If Scenarios
Each scenario shows two parallel financial universes — the one where you acted vs the one where you didn't.
THE TAKEAWAY
Every Financial Decision Creates a Different Future
Don't let inaction cost you. Start with one small step — a ₹500 SIP, a CIBIL check, or a free consultation with our advisors. Your parallel universe of wealth is waiting.
Financial What-If FAQs
What is the Parallel Money Universe?
It is an interactive financial simulation tool by Shani Finserve that lets you explore "what-if" scenarios — showing how different financial decisions could change your wealth over time.
What if I started SIP 5 years ago?
If you had started a ₹5,000/month SIP 5 years ago at 12% returns, you would have approximately ₹4.12 lakh today — with only ₹3 lakh invested. That is the power of starting early.
FD vs Mutual Fund — which gives better returns?
Over 10 years, FD at 6.5% turns ₹10 lakh into ~₹18.8 lakh. Equity mutual fund at 12% turns the same into ~₹31 lakh. However, mutual funds carry market risk while FD returns are guaranteed.
How does CIBIL score affect loan interest rate?
A CIBIL score of 750+ can get you personal loan at 10.49%. Score of 650 may get 16-18%. Score below 600 often means rejection. Improving by 100 points can save ₹50,000-2,00,000 in interest.
What if I increase my SIP by 10% every year?
Step-up SIP of ₹5,000 with 10% annual increase at 12% returns for 20 years gives ~₹76 lakh vs ~₹50 lakh with flat SIP. That is 52% more wealth with gradual increases.
What is the cost of delay in investing?
Delaying investment by 5 years at ₹10,000/month SIP (12% returns) costs you approximately ₹47 lakh over a 25-year horizon. Every year of delay is expensive.
How much can I save by prepaying my home loan?
On a ₹50 lakh home loan at 8.5% for 20 years, making one extra EMI annually can save you approximately ₹8-12 lakh in total interest and reduce tenure by 3-4 years.
What if I invested in gold vs equity over 20 years?
Gold has averaged ~10% annual returns over 20 years, while equity (Nifty 50) has averaged ~14%. ₹10 lakh in gold becomes ~₹67 lakh, in equity ~₹1.37 crore. Diversification is key.