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16 October 2017, 11:06   Report Abuse

John Peter





[ Scorecard : 28]


Can I earn greater than FD returns in debt funds in India?



16 October 2017, 11:12  

Nitin Arora





[ Scorecard : 22]


Yes, because of two factors:

  1. Debt instruments carry a slightly higher risk than bank FDs. So the returns are slightly higher. FD is a low risk investment option which help to earn a good rate of interest on FD.
  2. Debt funds have a more favourable tax treatment compared to FDs. Whereas all your FD interest is taxable at your slab rate, returns on debt are chargeable to tax @20% after indexation. Indexation greatly reduces your taxable income.

31 October 2017, 18:12  

Mindsnoop Marketing





[ Scorecard : 26]


Mutual funds. But the risk is also higher.


14 November 2017, 15:16  

Asha Kanta Sharma

Branch Accountant



[ Scorecard : 22]


Definitly you can earn more than FD by investing in Mutual Funds.





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