FD vs SIP Comparison Helper

There is no single answer. FDs give a known maturity if held to term and are suitable for short goals and emergency buffers. Equity SIPs have higher volatility but many long-term investors use them for goals 7+ years away. Compare post-tax returns: FD interest is taxed at your slab; equity may qualify for LTCG rules.

Many advisors suggest keeping an emergency fund and near-term needs in FDs or liquid funds, and routing long-term wealth building into diversified SIPs. Your age, goal date, and risk tolerance should drive the split—not just headline returns.

Yes. Enter principal, rate, tenure, and compounding to see FD maturity and interest. For the SIP side, use a dedicated SIP calculator with expected return and monthly amount to complete the comparison yourself.