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    FD Vs Debt Fund

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    Charan Roy
    Fixed Deposits offer fixed returns with a lower rate of return and are suitable for investors who seek a guaranteed return with lower risk. Debt funds offer relatively stable returns with higher risk compared to FDs and are suitable for investors who seek regular income with moderate risk. Both FDs and Debt Funds have their advantages and disadvantages, and the choice between the two depends on an investor's risk tolerance, investment objectives, and financial goals.

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    FD Vs Debt Fund

    Uploaded by

    Charan Roy
    23 views4 pages
    Fixed Deposits offer fixed returns with a lower rate of return and are suitable for investors who seek a guaranteed return with lower risk. Debt funds offer relatively stable returns with higher risk compared to FDs and are suitable for investors who seek regular income with moderate risk. Both FDs and Debt Funds have their advantages and disadvantages, and the choice between the two depends on an investor's risk tolerance, investment objectives, and financial goals.

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    Fixed Deposits offer fixed returns with a lower rate of return and are suitable for investors who seek a guaranteed return with lower risk. Debt funds offer relatively stable returns with higher risk compared to FDs and are suitable for investors who seek regular income with moderate risk. Both FDs and Debt Funds have their advantages and disadvantages, and the choice between the two depends on an investor's risk tolerance, investment objectives, and financial goals.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
    23 views4 pages

    FD Vs Debt Fund

    Uploaded by

    Charan Roy
    Fixed Deposits offer fixed returns with a lower rate of return and are suitable for investors who seek a guaranteed return with lower risk. Debt funds offer relatively stable returns with higher risk compared to FDs and are suitable for investors who seek regular income with moderate risk. Both FDs and Debt Funds have their advantages and disadvantages, and the choice between the two depends on an investor's risk tolerance, investment objectives, and financial goals.

    Copyright:

    © All Rights Reserved
    Download as XLSX, PDF, TXT or read online from Scribd
    Download as xlsx, pdf, or txt
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    This workbook along with all its contents are the intellectual property of

    Finance with Sharan, distribution of which is strictly prohibited.

    FD vs Debt Mutual fund Model

    FD Interest structure Quaterly


    Years Invested 6
    Amount Invested ₹ 100,000
    Tax Slab 30%
    Indexation cost 134,010

    Debt Type Bank/Fund Name Interest Rate Pre-tax Profit


    Small Finance Banks FD Ujjivan Small Finance Bank 7.40% ₹ 52,174
    Debt Fund Ultra short term debt fund 6.80% ₹ 48,398
    Tax Effective tax Post-tax Profit Rank
    ₹ 15,652 30% ₹ 36,522 2
    ₹ 2,878 6% ₹ 45,520 1
    Year Pre-tax return Tax Post tax return Acc. Returns
    1 7,608 2,282 5,326 5,326
    2 8,013 2,404 5,609 10,935
    3 8,440 2,532 5,908 16,843
    4 8,889 2,667 6,222 23,065
    5 9,363 2,809 6,554 29,619
    6 9,861 2,958 6,903 36,522
    7 10,386 3,116 7,271 43,792
    8 10,940 3,282 7,658 51,450
    9 11,522 3,457 8,066 59,515
    10 12,136 3,641 8,495 68,010
    Sl. No. Financial Year Cost Inflation Index
    1 2001-02 100
    2 2002-03 105 5 5.0%
    3 2003-04 109 4 3.8%
    4 2004-05 113 4 3.7%
    5 2005-06 117 4 3.5%
    6 2006-07 122 5 4.3%
    7 2007-08 129 7 5.7%
    8 2008-09 137 8 6.2%
    9 2009-10 148 11 8.0%
    10 2010-11 167 19 12.8%
    11 2011-12 184 17 10.2%
    12 2012-13 200 16 8.7%
    13 2013-14 220 20 10.0%
    14 2014-15 240 20 9.1%
    15 2015-16 254 14 5.8%
    16 2016-17 264 10 3.9%
    17 2017-18 272 8 3.0%
    18 2018-19 280 8 2.9%
    19 2019-20 289 9 3.2%
    20 2020-21 301 12 4.2%
    21 2021-22 317 16 5.3%
    22 2022-23 331 14 4.4%
    231 5.9%

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