Current account
Assumed 0.00% p.a.
₹0
Estimated annual earnings
Before tax: ₹0
After tax (0.00%): ₹0
After tax (0.00%): ₹0
Extra vs current account: ₹0
CORPORATE WEALTH, MADE CLEARER
Smarter cash.
Stronger business.
Make more informed decisions about your business cash. Organise upcoming obligations, explore investments for surplus funds and plan employee wealth benefits — in one clear view.
Designed for growing businesses, founders and finance teams.
EasyToInvest comparison lab
Don't let surplus cash sit idle.
Compare short-term treasury options for surplus cash that may be needed within 180 days. Rates and earnings shown are illustrative assumptions.
Condition: Assume funds may be required in less than 180 days.
ActivMoney, bank FD & liquid fund: 25.17%
EasyToInvest funds: 20% assumed for illustration
Estimated earnings over 12 months, using the selected rate assumptions. Actual holding period and product terms can change outcomes.
Illustrative annualised earnings on your selected amount. Rates are assumptions, not offers or guaranteed returns.
Estimated annual earnings — side by side
₹10,00,000 · after tax · annualised; cards show bothCurrent account at 0% is the baseline: ₹0 estimated annual earnings. The bars compare illustrative earnings, not guaranteed returns.
Baseline
Kotak ActivMoney
2.75%–4.25% by tenor · calculator uses 3.50%
₹26,191
Estimated annualised interest
Before tax: ₹35,000
After tax (25.17%): ₹26,191
After tax (25.17%): ₹26,191
Extra vs current account: ₹26,191
HDFC Bank FD
4.25% p.a. for select short tenors
₹31,803
Estimated annualised interest
Before tax: ₹42,500
After tax (25.17%): ₹31,803
After tax (25.17%): ₹31,803
Extra vs current account: ₹31,803
EasyToInvest funds
Illustrative assumption: 6.50% p.a.
₹52,000
Illustrative annual return · 20% tax assumed
Before tax: ₹65,000
After tax (20.00%): ₹52,000
After tax (20.00%): ₹52,000
Extra vs current account: ₹52,000
Illustrative estimate vs 0% current account · assumed holding period under 180 daysUp to ₹52,000 after assumed tax/year
On ₹10,00,000, 6.50% annualised for EasyToInvest funds equals ₹65,000 before tax; simplified estimate ₹52,000 after tax.
Read before comparing
Rates are assumptions for illustration, not guaranteed outcomes or personalised recommendations. This comparison assumes the surplus cash may be needed in less than 180 days. Kotak ActivMoney rates depend on sweep-deposit tenor and withdrawal timing; the calculator uses 3.50% as an illustrative short-tenor midpoint within the 2.75%–4.25% range. HDFC and other bank FD rates vary by tenor and customer category. Liquid / money-market and EasyToInvest fund returns are market-linked, not guaranteed; liquidity, exit loads, expenses and taxes may apply. Tax estimates use 25.17% for ActivMoney, bank FDs and liquid funds, and an illustrative 20% for EasyToInvest funds. Actual tax depends on entity status, applicable law, surcharge/cess and individual circumstances; this is an illustration, not tax advice.
Rates are assumptions for illustration, not guaranteed outcomes or personalised recommendations. This comparison assumes the surplus cash may be needed in less than 180 days. Kotak ActivMoney rates depend on sweep-deposit tenor and withdrawal timing; the calculator uses 3.50% as an illustrative short-tenor midpoint within the 2.75%–4.25% range. HDFC and other bank FD rates vary by tenor and customer category. Liquid / money-market and EasyToInvest fund returns are market-linked, not guaranteed; liquidity, exit loads, expenses and taxes may apply. Tax estimates use 25.17% for ActivMoney, bank FDs and liquid funds, and an illustrative 20% for EasyToInvest funds. Actual tax depends on entity status, applicable law, surcharge/cess and individual circumstances; this is an illustration, not tax advice.
Rate references: Kotak ActivMoney terms · HDFC Bank FD rates
01Understand available cash
02Plan before you invest
03Keep future commitments visible
Built for better decisions
Park funds with a plan, not a guess.
Bring risk, potential returns, tax considerations and the way funds are handled into the same decision.
Lower riskHigher risk
Risk comes first
Compare options against your liquidity needs, time horizon and risk tolerance—not just the headline rate.
BankFDMF
Compare potential outcomes
Use the calculator to explore different assumptions. Actual returns vary by product, market conditions and terms.
Consider tax impact
Review estimated post-tax outcomes, while checking the tax rules that apply to your company and chosen instrument.
BankFund housePartnerCustody
Know who handles your money
Understand the role of each bank, fund house or regulated partner before you invest or move funds.
EasyToInvest does not promise returns or imply that all products are risk-free. Specific partner relationships, regulatory roles, rates and product availability must be verified and disclosed before launch.
EasyToInvest Treasury
Treasury calendar
Illustrative view of investments, redemptions, payroll and other business cash flows.
October 2026
₹22.00LInvested this monthIllustrative daily investments
₹30.00LTotal payments (SWP)8 scheduled outflows
₹73,000Employee SIPs20 employees · illustrative
₹-8,00,000Net monthly investmentInto treasury pool
₹28.6LCurrent treasury valueSample portfolio value
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InvestmentRedemption / SWPBusiness paymentEmployee SIP
Illustrative calendar and sample amounts for product demonstration only. No payments or investments are executed by this demo. Actual automation, account connectivity, settlement times and investment availability depend on implemented integrations and provider terms.
One clearer view
Your money has different jobs.
Give each one a plan.
Operating cash, tax payments, investment opportunities and employee commitments have different timelines. EasyToInvest is designed to help bring those decisions into one business-focused experience.
◉
Cash scattered across accounts
Build a clearer picture of what is available, what is committed and what may be surplus — based on the information connected to your workflow.
◷
Payments with deadlines
Organise cash around payroll, GST, vendor payments and other known obligations before deciding what can be invested.
↗
Decisions made in silos
Connect treasury planning with corporate investments and longer-term employee wealth commitments as your needs grow.
EasyToInvest Treasury
Keep liquidity in view. Put surplus cash on the agenda.
Start with the fundamentals: understand upcoming cash needs, separate operating reserves from potential surplus and evaluate investment options against your timeline and risk requirements.
- ✓Organise funds around business goals and expected outflows
- ✓Compare suitable investment options with liquidity needs in mind
- ✓Make portfolio and upcoming commitment visibility easier for finance teams
- ✓Build a workflow that can grow with your business
◎
Business goals
Organise money for payroll, taxes, vendor payments, operating reserves and other planned needs.
⌁
Liquidity-aware investing
Explore investment options based on when funds may be needed, risk and other relevant considerations.
▥
Portfolio visibility
Work toward a consolidated view of investments and business cash commitments.
⇄
Planned withdrawals
Design a process around expected payments, settlement timelines and liquidity buffers.
Beyond treasury
Build employee wealth into your financial plan.
Corporate wealth is not only about surplus cash. It can also include the benefits a company commits to its people over time.
♧
Employee grants and vesting
Organise grants, vesting schedules and key dates across employees, with a clearer view of future commitments.
▦
Benefit funding visibility
Understand the timing of planned employee benefit outflows alongside other company obligations.
⌂
Finance and people teams
Create a shared language for CFOs, HR teams and founders planning employee wealth programmes.
Employee wealth features are presented as a product direction and should be enabled only where operationally available.
A practical starting point
From cash position to a clearer plan.
A disciplined process starts with your real obligations — not with an investment product.
STEP 01
Map your cash needs
Identify operating reserves, expected receipts and the dates when payroll, taxes and suppliers need to be paid.
STEP 02
Evaluate the surplus
Review what may be available after obligations, then assess relevant options, risk, costs and redemption timelines.
STEP 03
Track and review
Keep planned outflows and investment decisions visible, with appropriate approvals and a review process.
Built around clarity
Financial confidence starts with knowing the details.
Corporate funds need thoughtful decisions, transparent product information and a clear understanding of how each transaction is handled.
EasyToInvest's product experience should make the roles of the platform, regulated intermediaries, fund houses and other partners easy to understand.
Investment products are subject to market risks. Returns are not guaranteed, and liquidity depends on the product and applicable settlement timelines. Final product, regulatory and partner disclosures must be reviewed before launch.
⌕
Clear product informationExplain risks, costs, timelines and suitability.♧
Defined responsibilitiesClarify who provides, distributes, holds or services each product.▣
Finance-led workflowsSupport appropriate review and approval practices.↻
Planned liquidityMake upcoming obligations part of the decision.FAQs
Questions finance teams may ask.
Start with the operating model, then explore which workflows are right for your company.
EasyToInvest is designed for growing businesses, founders, CFOs and finance teams looking for a more organised way to think about cash, surplus investments and employee wealth commitments.
No investment return should be presented as guaranteed unless the product and applicable legal terms genuinely support that claim. Investment products carry risks; suitability, liquidity, taxation and settlement timelines vary by product.
These are useful treasury use cases to organise in a cash plan. Specific integrations, scheduled transfers and withdrawal automation should be described as available only once implemented and tested.
Employee grants, vesting schedules and benefit commitments are part of the broader product direction. Availability and supported benefit types will depend on the final product scope.
Make your next cash decision a clearer one.
Tell us how your business manages surplus cash and upcoming commitments.