Investing

SIP vs FD in India: A Comprehensive Comparison for 2025

Published 2025-05-12 · 10 min read

Should you invest in a Systematic Investment Plan (SIP) in mutual funds or a Fixed Deposit (FD) at a bank? This is one of the most common financial dilemmas for Indian middle-class families. FDs offer safety and predictability; SIPs offer higher long-term returns with market risk. The right answer depends on your time horizon, tax bracket, and risk tolerance.

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