FD Vs Mutual funds Calculator

Investment Amount (₹)

Tenure (Years)

FD Interest Rate (% p.a.)

Assumed compounded quarterly (standard for Indian banks)

Mutual Fund Return (% p.a.)

Based on historical CAGR (not guaranteed)

Fixed Deposit (FD)

Maturity Value: ₹0.00

Total Interest Earned: ₹0.00

Mutual Fund (MF)

Estimated Value: ₹0.00

Total Gain: ₹0.00

Projected Value Comparison

Disclaimer: This calculator provides illustrative estimates only. FD returns are calculated assuming quarterly compounding as per typical Indian bank practices. Mutual Fund returns are based on assumed annual CAGR and do not guarantee future performance. Actual returns may vary due to market risks, taxation (TDS on FD interest, LTCG/STCG on MF), expense ratios, and economic conditions. Consult a SEBI-registered financial advisor before investing. © fingoex.com – For educational purposes only.

FD kya hai aur Mutual Fund kya hai?

Aaj ke daur mein har koi chahta hai ki unka paisa badhe, lekin sahi jagah chunna thoda confusing ho sakta hai. Fixed Deposit (FD) aur Mutual Fund (MF) dono hi lokpriya (popular) choices hain, par dono ka kaam karne ka tarika bilkul alag hai.Chaliye, in dono ko saral bhasha mein samajhte hain.FD Vs Mutual funds Calculator.FD Vs Mutual funds Calculator

Chaliye, in dono ko saral bhasha mein samajhte hain.

1. Fixed Deposit (FD) Kya Hai?

FD ek surakshit investment hai jo banks ya financial institutions dete hain. Ismein aap ek fixed amount ek nishchit samay (tenure) ke liye jama karte hain.Kaise kaam karta hai: Aapne paisa diya aur bank ne aapko ek fix interest rate (byaaj) dene ka vada kiya.Kiske liye hai: Un logon ke liye jo bilkul risk nahi lena chahte aur chahte hain ki unka paisa safe rahe.

2. Mutual Fund (MF) Kya Hai?

Mutual Fund mein bahut saare investors se paisa ikattha kiya jata hai aur use ek professional “Fund Manager” share market, bonds ya gold mein invest karta hai.Kaise kaam karta hai: Ismein return market ke utaar-chadaav par nirbhar karta hai. (FD Vs Mutual funds Calculator) Agar market achha raha toh return bahut zyada mil sakta hai.Kiske liye hai: Un logon ke liye jo thoda risk lekar inflation (mehangai) se zyada return kamana chahte hain.

FD vs Mutual Fund: Mukhya Antar (Comparison)

Niche di gayi table se aap dono ke beech ka farak asaani se samajh sakte hain:

Feature	Fixed Deposit (FD)	Mutual Funds (MF)
Risk	Bahut Kam : Apka paisa safe rehta hai.	Market Risk : Market girne par nuksan ho sakta hai.
Return	Fixed : Pahle se pata hota hai ki kitna byaaj milega(usually 6-8%).	Variable : Market ke hisaab se 10-15% ya usse jyada bhi ho sakta hai.
Taxation	Byaaj par aapke Tax Slab ke hisaab se tax lagta hai.	1 saal baad ₹1.25 lakh se jyada profit par 12.5% LTCG tax lagta hai (Equity).
Liquidity	Paise beech mein nikalne par penalty lagti hai.	Jab chahe nikaal sakte hain (kuch schemes mein exit load ho sakta hai).
inflation	Mehangai ko beat karna mushkil hai.	Lambe samay mein mehangai se behtar return milta hai.

Kaunsa Behtar Hai?

Agar aapko safe rehna hai aur 1-3 saal ke liye paisa rakhna hai, toh FD achhi hai.

Agar aap wealth create karna chahte hain aur 5-10 saal tak ruk sakte hain, toh Mutual Fund (SIP) ek behtar vikalp hai.

Note: Mutual Fund mein invest karne se pehle market ke risks ko zaroor samjhein aur apne financial advisor se salaah lein.