Debt Mutual Fund vs Fixed Deposit

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Note: Above 3 years, the Debt MF gains are taxed at 20% after indexation.

Investment duration is required

Tax bracket is required

A Debt Mututal Fund takes into account an inflation index of 6%
An indexed cost of inflation in a Debt Mututal Fund would be
Taxable gains applicable
Debt Mutual Fund

Vs
Fixed Deposit

Net Payable would be
Debt Mutual Fund

Vs
Fixed Deposit

Post Tax Returns would be
Debt Mutual Fund

Vs
Fixed Deposit

Annulaized Returns
Debt Mutual Fund

Vs
Fixed Deposit

Clearly the Debt Mutual Fund gives more annulaized ROI over a Fixed Deposit ! To get a PDF of the detailed FD vs. Debt comparison, enter your name and email id.

Disclaimer -

1) All calculations are for 8% Rate of Return.

2) All calculations are for Direct Equity MF expense ratio of 1.5%, Regular Equity MF expense ratio of 2.25% and annualized equity MF growth rate of 12%.

3) All calculations are based on inflation rate of 6%.

4) The calculator outcome is to provide an estimate and is not a guarantee.

5) Mitraz reserves a sole right to alter the calculation steps or figures anytime at its sole discretion and no entity lays any counter claims to the calculations.

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