Every investor faces the age-old question: FD or Mutual Fund? Both have their place in a financial plan, but the right choice depends on your risk appetite, goals, and timeline. Fixed Deposits bring peace of mind with guaranteed returns, while Mutual Funds provide diversification and the chance for higher growth—though with added volatility.
If stability is your priority, Bajaj Finance Fixed Deposits give you assured returns up to 7.30% p.a. for senior citizens and 6.95% p.a. for general investors—among the highest in the industry. Open FD account.
Difference between fixed deposits and mutual funds
FDs and Mutual Funds are often compared because both are popular investment tools. However, they serve very different purposes.
- Fixed Deposits (FDs): Safe, predictable, and unaffected by market ups and downs.
- Mutual Funds: Professionally managed, market-linked investments that offer potential for higher returns but also carry risks.
Not sure where to start? With Bajaj Finance, you can invest in FDs starting from just Rs. 15,000, making it easy to begin your financial journey. Check latest FD rates.
What is a fixed deposit?
A Fixed Deposit is one of the most secure ways to grow your money. You deposit a lump sum for a chosen tenure and earn a fixed interest rate throughout. Since FD returns are not linked to the market, your money grows steadily and risk-free.
What are mutual funds?
Mutual Funds pool money from multiple investors to create a diversified portfolio of stocks, bonds, or other assets. These funds are managed by professionals, but returns fluctuate with market conditions. While they can deliver higher gains over the long term, they also carry higher risks compared to FDs.
