NEXTLEVEL EDUCATION PRIVATE LIMITED
AMFI Registered Mutual Fund Distributor & SIF Distributor  |  Mumbai · Kolkata · Madurai

FD vs Debt Fund

After-Tax Comparison · Client Consultancy

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Inputs

Debt fund's after-tax edge
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Fixed Deposit (after tax)
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Debt Fund (after tax)
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Debt fund's edge
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How the gap widens

After-tax value each year — the shaded wedge is the debt fund's growing lead from deferring the tax.
Fixed Deposit (after tax) Debt Fund (after tax)

Year-wise Breakdown

YearFixed DepositDebt FundDifference

Disclaimer: Illustrative and educational only. Tax treatment depends on personal circumstances and prevailing law; figures are simplified. Debt-fund gains (units bought on/after 1 April 2023) are taxed at the investor's slab on redemption; FD interest is taxed at slab each year. Not tax or investment advice. Mutual fund investments are subject to market risks; read all scheme-related documents carefully. Consult a qualified tax adviser before acting.

NEXTLEVEL EDUCATION PRIVATE LIMITED AMFI Registered Mutual Fund Distributor & SIF Distributor
Mumbai · Kolkata · Madurai

DisclaimerThis tool is for illustrative and educational purposes only. Figures assume a steady return and simplified tax treatment and are not guaranteed. Debt-fund taxation reflects the post-April-2023 rules (gains taxed at slab on redemption); arbitrage and indexation rules differ. Mutual Fund investments are subject to market risks; read all scheme-related documents carefully. Nothing here is financial, investment, tax, or legal advice. Consult a SEBI-registered adviser or tax consultant before acting.



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See Also

FD vs Arbitrage Fund→The arbitrage fund earns debt-like but is taxed as equity — often beats both. FD vs Mutual Fund→The broader fixed-deposit vs mutual-fund comparison. The Indexation Funeral→Why April-2023 rewired the debt-vs-FD choice.