FD vs RD vs MF Calculator

Compare fixed deposits, recurring deposits, and mutual fund returns side-by-side.

Monthly Investment

₹500₹1,00,000

Investment Period

years

1 years30 years

FD Interest Rate (% p.a.)

2%12%

RD Interest Rate (% p.a.)

2%12%

Mutual Fund Expected Return (% p.a.)

4%20%

FD (₹{monthly*12*years} lumpsum)

₹8,28,252

RD (₹{monthly}/mo)

₹7,01,189

Mutual Fund (SIP)

₹8,24,864

Best option: FD with ₹8,28,252

Note: FD invests the total amount (₹6,00,000) as a lump sum at the start. RD invests ₹10,000 monthly. Mutual Fund assumes a monthly SIP of ₹10,000. Returns are indicative and not guaranteed for mutual funds.

How is this calculated?

FD: Total investment as lump sum compounded quarterly at the FD rate. RD: Monthly deposits compounded quarterly. Mutual Fund: Monthly SIP with monthly compounding at the expected return rate. This comparison helps you choose between safe (FD/RD) and growth (MF) options based on your risk appetite.