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Forum Home > Finance > Re:Can I earn greater than FD returns in debt funds in India

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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.

02 January 2018, 08:38  



[ Scorecard : 28]

but modi pm bring new scheme pepole  invest in FD cannot withdraw 

suggest to invest any other except equity market


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