Sunil Kumar on Instagram: "They spent over ₹3 crore an amount many people can’t earn in a lifetime. 💰 But if that money had been invested wisely, it could have generated income for life. For example: 📌 ₹1.5 crore in an FD at 7% → around ₹10.5 lakh/year in interest. 📌 ₹1.5 crore in a Flexi Cap Mutual Fund could have grown significantly over the years (past performance doesn’t guarantee future returns). Later, the grown corpus could again be split between FDs for regular income and mutual funds for long-term growth, helping create a sustainable income stream. This strategy isn’t just for ₹3 crore—it can also work with ₹50 lakh, ₹1 crore, or ₹2 crore, depending on your goals and risk profile. Want to calculate it for your own amount? Comment “INCOME” and I’ll DM you the calculator. 📩 #finance #money #business #gkindia #basicgyaan"
Verdict: Some arithmetic is right, but the tax and investment-growth claims are overstated and partly unsupported.
Credibility score: 58/100 · 5 claims checked · 2 accurate, 1 misleading, 1 false, 1 unsupported.
Instagram · Sunil Kumar · Unknown · Oct 4, 2026
The FD interest calculation checks out, but the claim that it would involve no income tax is false. The mutual fund growth and repeated doubling claims are hypothetical and not verifiable from the transcript.
Claim-by-claim breakdown
- Accurate (98% confidence): ₹1.5 crore invested at 7% annual interest would earn about ₹10.5 lakh per year, or about ₹87,500 per month. 1.5 crore × 7% = 10.5 lakh per year; 10.5 lakh ÷ 12 = 87,500 per month.
- False (95% confidence): The interest from that fixed deposit would mean no income tax has to be paid. Income tax rules treat interest on deposits as taxable income. The video omits that the ₹10.5 lakh annual interest would be added to taxable income and may also attract TDS.
- Unsupported (56% confidence): If ₹1.5 crore were invested in a flexi cap mutual fund in 2018, it could be worth about ₹4 crore today. Flexi-cap mutual funds can produce very different returns depending on the scheme and timing. Without a named fund and dates, the ₹4 crore estimate is only a hypothetical illustration.
- Misleading (74% confidence): Repeating this process would make the person’s income keep doubling every 7–8 years. The strategy mixes a fixed-rate deposit with an equity mutual fund, but future returns are not guaranteed and taxation reduces the outcome.
- Accurate (63% confidence): A mutual fund investment can be split later into fixed deposits and mutual funds again to create a sustainable income stream. The approach is a financial strategy, not a guaranteed fact. Its success depends on future market performance and personal cash-flow needs.
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