Fixed Deposits vs Mutual Funds

Fixed Deposits

Mutual Funds

Assured but lower returns

Not assured but potential to offer higher returns

1. Returns

Mutual Funds

Fixed Deposits

2. Risks

Very low-risk (subject to the financial strength of the bank)

Mutual funds are subject to market risks. Different types of schemes have different risk profiles

Fixed Deposits

Mutual Funds

Deduction of up to Rs.1.5 lakh under Section 80C

Deduction of up to Rs.1.5 lakh under Section 80C

3. Tax Benefits

Mutual Funds

Fixed Deposits

High Liquidity

High Liquidity

4.  Liquidity

Fixed Deposits

Mutual Funds

FDs do not involve any charges during initiation or the tenure of the deposit

Mutual Funds are associated with certain expenses/charges w.r.t fund management, etc

5. Expenses

Mutual Funds

Fixed Deposits

Regulated by RBI

Regulated by SEBI

6. Investor Interest Protection

But Mutual Fund Can Help Your Money Grow Invest with Navi Mutual Fund

Start Investing with Only Rs.10

Disclaimer: Mutual fund investments are subject to market risks, read all scheme-related documents carefully.

Low - Cost

Diverse Sectors

Exposure to International Market