SIP vs FD in 2025

Where should you invest ₹1L now?

What is SIP?

Invest in mutual funds monthly or lump sum.

What is FD?

Deposit money with fixed returns.

SIP vs FD – Returns

SIP: 12% avg FD: 6.5–7.5%

SIP vs FD – Tax Impact

SIP: 10% LTCG FD: Taxed as income

SIP vs FD – Liquidity

SIP: Flexible FD: Locked-in with penalty

SIP vs FD – Risk & Reward

FD = Safe SIP = More growth

Who Should Choose FD?

✔️ Need funds in 1–3 yrs? ✔️ Want safety? FD is for you!

Who Should Choose FD?