SIP vs Fixed Deposit — Complete Comparison
This is one of the most asked questions in personal finance. Let us compare with real numbers.
₹10,000/Month for 15 Years
| Parameter | FD (7%) | SIP (12%) |
|---|---|---|
| Total Invested | ₹18,00,000 | ₹18,00,000 |
| Maturity Value | ₹31,78,178 | ₹50,45,760 |
| Returns | ₹13,78,178 | ₹32,45,760 |
| Tax on Returns | ₹4,13,453 (30%) | ₹3,24,576 (10% LTCG) |
| Post-Tax Value | ₹27,64,725 | ₹47,21,184 |
SIP gives you ₹19.56 lakh more than FD after 15 years — even after tax!
When to Choose FD
Choose FD for emergency funds (3-6 months), short-term goals under 3 years, and if you cannot handle any market volatility at all.
When to Choose SIP
Choose SIP for long-term goals over 5 years, wealth creation, retirement planning, and when you want tax-efficient growth.
Calculate your returns with our free SIP calculator.