FD vs Debt Mutual Fund

Advantages of debt funds over fixed deposits Version I

Debt Mutual Fund vs. Fixed Deposit Comparator – Version II

Debt Mutual Funds vs. Fixed Deposits: Volatility Simulator


Get GameChanger (my second book) + Pranav's Travel Training Kit  GameChanger (hardcopy is now available for ₹279 (249 +30 for shipping) and the Travel Training Kit is available for immediate download for ₹150.

Register for the Kolkata DIY Investor meet:  May 28th2017

Get free, yet comprehensive calculators, tools and analysis delivered to your mailbox! Subscribe to get posts via email

Your subscription is successful if you are directed to the "Welcome Page"

Install Financial Freedom App! (Google Play Store)

Install Freefincal Retirement Planner App! (Google Play Store)

Find out if you have enough to say "FU" to your employer (Google Play Store)


Buy our New Book!

You Can Be Rich With Goal-based Investing A book by  P V Subramanyam (subramoney.com) & M Pattabiraman. Read more about the book and pre-order now!
Practical advice + calculators for you to develop personalised investment solutions

About Freefincal

Freefincal has open-source, comprehensive Excel spreadsheets, tools, analysis and unbiased, conflict of interest-free commentary on different aspects of personal finance and investing. If you find the content useful, please consider supporting us by (1) sharing our articles and (2) disabling ad-blockers for our site if you are using one. We do not accept sponsored posts, links or guest posts request from content writers and agencies.

Blog Comment Policy

Your thoughts are vital to the health of this blog and are the driving force behind the analysis and calculators that you see here. We welcome criticism and differing opinions. I will do my very best to respond to all comments asap. Please do not include hyperlinks or email ids in the comment body. Such comments will be moderated and I reserve the right to delete  the entire comment or remove the links before approving them.

11 thoughts on “FD vs Debt Mutual Fund

  1. Shyam


    Thanks for the wonderful calculators. Can you please put up a calculator for Variable Investment plan. I can find SIP calculators all around the net but no VIP calculators.


    1. pattu

      Thanks Shyam. I can make one. Trouble is ideally VIP calculators should consider month-wise data for many years. So that would be a LOT of data. But its possible.
      I am working on a few calculators now. Will get to this once I am done.

    1. pattu

      Roshini, Thanks. Can you elaborate a little more on your requirement? Comparing stg and dividend options can be tricky as it depends on the dividend amt and frequency. Both of these are unknown and unpredictable.

  2. Kumar

    Can you provide example of ITR2 form and calculations to be done for any short term and long term capital gains on Debt Mutual funds?

    1. pattu

      Hi Kumar,

      I will see what I can do. LTCG on Debt funds have been included in my FD vs Debt fund calculator.
      STCG is much simpler and therefore not exciting but I will give it a shot.

      1. Kumar

        I'm NOT able to invest in Debt mutual funds because I don't know how to calculate gains & then fill ITR2 for any LTCG and STCG that will arise of these investments.

        1. pattu

          Almost every AMC has a feature for calculating short term and long term capital gains. They will give you a nice and clear statement. So go ahead and invest!

  3. Kumar

    Main problem is how to fill the ITR 2. Like what values go in which cells in the ITR 2 excel sheet. I've used only ITR 1.


Do let us know what you think about the article