Mutual Fund vs Fixed Deposit – Konsa Behtar Hai 2025?

India me investment ke liye Fixed Deposit (FD) aur Mutual Fund dono hi popular options hain. Lekin 2025 me in dono me se konsi choice behtar hai? Aayiye compare karte hain.

1. Returns

FD: Fixed return deta hai jo 5% – 7% tak hota hai.
Mutual Fund: Market-linked hote hain, average return 10% – 15% tak mil sakta hai.

2. Risk Factor

FD: Zero risk, kyunki guaranteed return milta hai.
Mutual Fund: Market risk hota hai, lekin long term me risk kam ho jata hai.

3. Liquidity

FD: Agar maturity se pehle todte hain to penalty lagti hai.
Mutual Fund: Open-ended funds me aap kabhi bhi paisa nikal sakte hain.

4. Tax Benefits

FD: Sirf 5 saal ki tax-saving FD me 80C ka benefit milta hai.
Mutual Fund: ELSS funds me 80C ke under ₹1.5 lakh tak ka tax benefit milta hai, aur lock-in sirf 3 saal ka hota hai.

5. Compounding Power

FD: Limited compounding benefit deta hai.
Mutual Fund: SIP ke through long term me compounding ka maximum fayda milta hai.

6. Suitability

FD: Risk-free aur short term investment ke liye best.
Mutual Fund: Long term wealth creation aur higher return ke liye best.

Conclusion

Agar aapko safe aur guaranteed return chahiye to FD behtar hai. Lekin agar aap long term me inflation se zyada return chahte hain to Mutual Fund ek better option hai. Dono ka combination rakhna smart strategy hoti hai.