FD vs Mutual Fund

Post-tax growth · risk horizon check

Amount to invest (₹)

₹2,00,000

Investment horizon (years)

10 years

FD interest rate (% / yr)

Mutual Fund return (% / yr)

Your tax slab (%)

Comparing…

₹0

FD final value

₹0

MF final value

₹0

MF beats FD by

—×

MF / FD multiple

How to read the result

FD: fixed annual interest, taxed every year at your slab. Capital is safe but inflation eats real return.
Mutual Fund: market-linked, riskier in short windows. Long horizons (7+ yrs) historically smooth volatility and beat FD comfortably.
For horizons under 3 years, prefer FD/liquid funds — risk beats the extra return.

STCG vs LTCG: equity MF held > 1 yr → LTCG tax 12.5% above ₹1.25 L (FY25-26). FD interest is fully taxable every year — both regimes apply.