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. Is article mein hum in dono ka gehri se muqabla karenge.
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. Bank aapko ek fix interest rate dene ka vada karta hai. Ye un logon ke liye behtar hai jo bilkul risk nahi lena chahte. FD Vs mutual funds Calculator || FD vs Mutual Funds: 2026 Mein Investment Ke Liye Kaunsa Hai Behtar?
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. Ismein return market ke utaar-chadaav par nirbhar karta hai. Agar market achha raha toh return bahut zyada mil sakta hai.
Feature
Risk
Return
Liquidity
Tax
Fixed Deposit (FD)
Bahut kam (Low)
Fixed (7% – 8% approx )
Lock – in period hota hai
Intrest par Tax lagta hai
Mutual Funds (MF)
Market Risk (moderate to High)
Variable (12% – 15% long term)
Jab chahe nikaal sakte hai (Open – ended)
LTCG/STCG tax lagta hai
Kaise Tay Karein Ki Kahan Paisa Lagana Hai?
Agar aapka goal 1-2 saal ke liye paisa safe rakhna hai, toh FD ek achha vikalp hai. Lekin agar aap 5-10 saal ke liye invest kar rahe hain aur inflation (mehangai) se zyada return chahte hain, toh Mutual Funds behtar sabit ho sakte hain.
Hamare Fingoex Calculator Ka Use Kar ke apne Paise ko Kaise double Karein?
In dono ke beech ka farak asani se samajhne ke liye aap hamare FD vs Mutual Fund Calculator ka istemal kar sakte hain. Bas apna investment amount aur tenure daalein, aur dekhein ki aapka paisa kahan zyada tezi se badhega.
NOTE : Aap SIP ke bare mein zyada jaankari AMFI ki official website par dekh sakte hai