SIP vs FD Calculator
Compare Systematic Investment Plan returns with Fixed Deposit returns side by side.
Details
SIP (Equity)
Wins₹50,45,760
Invested
₹18,00,000
Gains
₹32,45,760
FD / RD
₹32,59,002
Invested
₹18,00,000
Gains
₹14,59,002
Verdict
SIP produces ₹17,86,758 more over 15 years.
SIP vs FD — which is better?
Fixed deposits guarantee a fixed return — currently 6-8% p.a. — but offer no protection against inflation and are fully taxable in your slab. Equity SIPs are volatile but have historically delivered 11-14% CAGR over 10+ year periods and enjoy favourable tax treatment (12.5% LTCG above ₹1.25L/yr).
Rule of thumb: if you need the money within 3 years, FD. If your horizon is 7+ years, SIP wins by a large margin.
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