See what each actually earns after tax and inflation.
Most banks offer 6.5–7.5% for 1–3 yr FD
Nifty 50 delivered ~13% CAGR over 20 years
FD & RD interest taxed at this rate
RBI target is 4%. Use 6% to be conservative.
Fisher Equation · FD/RD taxed at slab rate · MF: 12.5% LTCG + ₹1.25L exemption (Budget 2024)