AMFI Registered MFD · ARN-130934 · Mutual fund investments are subject to market risks. CA Amit Kumar Jain · +91 93522 44475 Poornima Jain · +91 92525 44475 support@plenitude.co.in हिंदी

FD vs SIP: compare fixed deposits and mutual funds.

Fixed deposits give a fixed rate; mutual fund SIPs are market-linked. Compare the two at assumed rates to see how the gap can grow over long periods.

₹
₹50K₹1Cr
yrs
1 yr30 yrs
%
4%9%
%
8%18%
🏦 Fixed Deposit

FD Maturity Value

₹0
Returns: ₹0
0%
📈 SIP (Mutual Fund)

SIP Value

₹0
Returns: ₹0
0%
You earn ₹0 more with SIP

FD returns are pre-tax. SIP returns assume 12% p.a. (not guaranteed). Both are illustrative only.

Switch from FD to SIP and let compounding work harder for you.

Switch to SIP → Talk to an expert

How it is calculated

The calculator invests the same monthly amount in both. The FD side earns the fixed rate you enter (before tax); the SIP side grows at an assumed mutual fund return. It is an illustration only.

FD interest is taxed every year at your income-tax slab; mutual fund gains are taxed only when you redeem, at the rates for that type of fund.

Common questions

Is an SIP better than an FD?
They do different jobs. FDs suit money you need safely in the short term; equity SIPs suit long-term goals where you can accept ups and downs. Many people hold both.
Are FDs risk-free?
Bank deposits are insured up to ₹5 lakh per depositor per bank by DICGC; beyond that there is some credit risk. Their main risk is earning less than inflation after tax.
Can SIP returns be negative?
Yes, especially over short periods. Mutual fund investments are subject to market risks.
Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Returns shown are illustrations at an assumed rate and are not guaranteed. Plenitude Connect is an AMFI-registered Mutual Fund Distributor (ARN-130934); these tools are for education and are not investment advice.
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