FD vs Debt Fund for ₹1,00,000 — Post-Tax Returns Comparison
Immediate answer for ₹1,00,000 investment
₹14,893
Debt fund is better by. Adjust the calculator below for your exact assumptions.
Specific Context
At this amount, the tax difference between FD and debt funds may be small, but understanding the comparison helps build better investment habits. This page pre-fills the FD vs debt fund calculator with an investment of ₹1,00,000, 7% FD rate, 8% debt fund return, 5-year holding period, and 30% tax bracket. FD interest is taxed at your slab rate, while debt funds held for 3+ years get LTCG treatment at 20% with indexation benefit. The calculator shows post-tax maturity values for both options. Use the immediate answer to see which is better, then adjust the rates, holding period, and tax bracket to match your situation.
Compare Nearby Values
| ₹1,00,000 investment | ₹14,893 |
| ₹5,00,000 investment | ₹74,466 |
| ₹10,00,000 investment | ₹1,48,933 |
Common questions
Is ₹1,00,000 better in FD or debt fund?
It depends on your tax bracket, holding period, and risk tolerance. Debt funds are more tax-efficient for 3+ year holdings in higher tax brackets, but FDs are safer with deposit insurance.
What is indexation benefit?
Indexation adjusts your purchase price for inflation using the Cost Inflation Index, reducing taxable gains. This makes debt funds more tax-efficient for long-term holdings.
Are debt funds risk-free like FDs?
No. Debt funds carry credit risk, interest rate risk, and market volatility. FDs are safer with deposit insurance up to ₹5 lakh per bank.
What to Check Next
Compare this page with the parent calculator, then check related decisions so the number is useful in context.
Need something else?
Tell us what calculator would save you time. Popular requests get built first.
Request a calculator →Disclaimer: This programmatic page is an estimate generated from the same calculator formulas used on CalcPad.in. It is not financial, tax, loan, salary, academic, or legal advice.
Last updated: April 2026