About This Tool
Compare mutual fund vs FD calculator outcomes on a post-tax basis for equity and debt funds versus bank FD interest at your tax bracket. Illustrative FY 2025-26 tax assumptions.
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Results
FD (post-tax)
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Debt MF (post-tax)
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Equity MF (post-tax)
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Book a Wealth Session →Frequently Asked Questions
Why is a mutual fund better than FD for investors in the 30% tax bracket?
Equity LTCG rates and deferral often beat annual FD interest taxed at slab rates.
How is FD interest taxed vs mutual fund LTCG?
FD interest is taxed yearly at slab; equity LTCG applies on redemption above exemption.
Is a debt mutual fund still tax-efficient after 2023 rule changes?
Debt funds are taxed at slab on gains — still compare post-tax yield vs FD net of TDS.
What is the LTCG exemption limit on equity mutual funds?
₹1.25 lakh per year under current rules — verify annually.
Are liquid funds a good FD alternative for parking emergency corpus?
Often yes for short horizons; match liquidity and credit risk to the goal.