FD vs. Debt Funds: Fixed Deposit or Date Mutual Fund, who's better for your pocket?

Last Updated: September 17, 2025, 22:25 IST FD vs. Debt Funds: FD gets fixed interest and protection, while debt -to -do funds provide funds and more flexibility in taxes. Investors can choose the right option according to their needs. FD vs debt funds: Investors looking for safe investment are often confused between fixed deposits, ie fixed deposits and date -among funds. Both options are known for low risks and stable returns, but there are some important differences in it that can be understood and the correct choice can be made. Let us understand the benefits and differences of both in easy language. The difference in interest rate usually gets 6-7 percent interest on fixed deposits annually. At the same time, the rate of return on date funds depends on their category and asset management company (AMC). For example, money market funds recently delivered 7-7.8 percent returns, while the yield of long-time funds was relatively low. The difference in taxes has to pay taxes every year on interest in fixed deposits, whether money or not. At the same time, taxes in date funds are only at the time of salvation. In both cases, taxes are spent according to your plate rate, but tax time makes a big difference to investors. According to the investment amount, if you are looking for a small amount and interest received from peace, FD is the right choice. At the same time, date funds can take precedence for a large amount and better tax planning. What is more in flexibility? Premature withdrawal in fixed deposits leads to loss of fine and interest. In comparison, you can withdraw money in date funds at any time, which is a more flexible option. If you want security and fixed interest, then fixed deposits and if you want benefit and flexibility in terms of taxes, the date of mutual funds can be kept correct elections. Over the past 8 years, author Vinoy Jha has been working as a senior copy editor in News18Hindi after starting his career with print media. Business News Team has been part of the team for almost 4 years. He has experience in the media about one and a half decades. Business … Read more, after it has started a career with print media over the past 8 years, it works in News18hindi as a senior copy editor. Business News Team has been part of the team for almost 4 years. He has experience in the media about one and a half decades. Business … Read more here to add News18 as your favorite news source on Google. Location: New -delhi, Delhi First published: September 17, 2025, 22:25 IST Homebusiness Fixed Deposit or Date Mutual Fund, Who’s Better For Your Pocket?