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20. Cash & Liquid Instruments

Prepaid Forex Card

Wallets & Cards

Pre-loaded multi-currency card for international spending, minimal investment role.

Risk Level
Low ★★☆☆☆
Liquidity
🟢 High
Min Investment
₹1,000
Ticket Size
₹1,000 minimum
Ideal Horizon
1–3 years
Region
Global

📈 Historical Returns (Indicative)

1 Year
5–8%
3 Years
6–8%
5 Years
6–8%
10 Years
6–8%
20 Years
6–8%

⚠️ Indicative historical ranges only. Past performance does not guarantee future results. Returns vary significantly across individual instruments.

🧮 XIRR Calculator — Prepaid Forex Card

Enter your actual investment dates and amounts to calculate your personal annualised return (XIRR). Use negative values for money invested, positive for money received back.

✅ Pros & ❌ Cons

Advantages

  • ✅ Low risk — capital largely protected
  • ✅ High liquidity — can exit anytime during market hours

Disadvantages

  • ❌ Requires due diligence before investing
  • ❌ Returns not guaranteed

🚀 How to Invest in Prepaid Forex Card

  1. Research and compare options on Applica Finance
  2. Open appropriate account (Demat, bank, or platform account)
  3. Complete KYC with PAN and Aadhaar
  4. Start with minimum investment; scale up gradually

💰 Tax Treatment (India)

Gains taxed as per applicable income tax slab or capital gains rules
Consult a tax advisor for your specific situation
Disclaimer: This page is for educational purposes only and does not constitute financial advice. Returns shown are indicative historical ranges and not guaranteed. Consult a SEBI-registered investment advisor before investing.
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