Fixed Deposit vs. Mutual Fund Calculator
Investment Details
Ten Lakh Rupees Only
Fixed Deposit (FD)
Mutual Fund (MF)
Tax on gains above ₹1 Lakh.
Fixed Deposit Results
Invested Amount
₹10,00,000
Maturity Value
₹14,35,629
Total Interest
₹4,35,629
Tax Paid
-₹1,08,907
Wealth After Tax
₹13,26,722
Mutual Fund Results
Invested Amount
₹10,00,000
Maturity Value
₹17,62,342
Total Gains
₹7,62,342
Tax Paid
-₹82,793
Wealth After Tax
₹16,79,549
Investment Difference (MF vs FD)
Pre-Tax Difference
₹3,26,712
Post-Tax Difference
₹3,52,827
FD vs MF Comparison
Detailed Comparison
Feature
Fixed Deposit
Mutual Fund
Risk Level
Very Low
Low to High
Returns
Fixed (5-8% p.a.)
Variable (8-15%+ p.a.)
Liquidity
Moderate (penalty on early withdrawal)
High (can redeem anytime)
Taxation
Interest taxed as per slab
Capital gains tax applicable
Best For
Short-term goals, risk-averse investors
Long-term wealth creation, growth seekers