FIXED DEPOSITS VS MUTUAL

FUNDS
Name - Satyam Shrivastava
College- INDSEARCH
 Difference
Sr. no. Basis Fixed Deposits Mutual Funds

No fixed returns are

You get fixed returns
1. Returns guaranteed in case of mutual
over a period of time.
funds.

Risk is involved since returns

FDs are risk free in
2. Risk are based on market
nature.
fluctuations.

FDs are not inflation Mutual funds tend to beat

3. Inflation
beating instruments. inflation in the long run.

4. Liquidity High liquidity Medium to Low Liquidity

 Capital gain or loss
No Capital gain or loss in
5. Capital gain arises based on the
case of FD.
period of holding.
Interest on FD is taxed STCG or LTCG taxed as
6. Tax as per individual slab per type of fund and
rates. period of holding.
You will get a fixed rate
Mutual funds have the
of interest as per your
potential to give high
Returns type of FD and period of
7. returns through
potential FD.No chances of
diversification of your
getting higher rates than
money.
what has been defined.
Premature
8. Allowed with Exit Load Allowed with Penalty
Withdrawal
Types of Mutual Funds