SIP vs FD Calculator 2026 — Equity SIP vs Fixed Deposit
Compare returns, tax drag, and inflation-beating wealth creation between Equity Mutual Fund SIP and Bank Fixed Deposits
Equity SIP Outperforms FD by 1.43x Post-Tax
By investing ₹10,000 monthly for 10 years, an Equity SIP delivers an estimated ₹21.99 L net in-hand compared to ₹15.42 L from a Bank FD.
Investment Parameters
₹21.99 L
₹15.42 L
10-Year Wealth Accumulation: Equity SIP vs Bank FD
Authoritative References & Regulatory Guidelines
SIP vs Fixed Deposit FAQs
Important trade-offs between fixed-income safety and market equity growth.
Is my bank Fixed Deposit 100% risk-free in India?
Bank deposits are insured by the Deposit Insurance and Credit Guarantee Corporation (DICGC), an RBI subsidiary, up to a maximum limit of ₹5 Lakhs per depositor per bank (covering principal + interest).
When does a Fixed Deposit make more sense than an equity SIP?
FDs are superior for capital you need within the next 1 to 3 years (emergency funds, upcoming wedding expenses, home down payment), where preserving capital without market volatility is paramount.
SIP vs FD after tax, with your numbers
The comparison only means something after tax, because the two are taxed very differently. FD interest is added to your income and taxed at your slab every year, even though you have not withdrawn it. Equity held over a year pays 12.5% only on redemption, and the first ₹1.25 lakh of gain each year is exempt.
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