Compare the decision, not just the headline number
SIP and FD are not interchangeable products. An FD offers a contracted deposit rate subject to its terms, while a SIP calculator normally illustrates market-linked investment growth using an assumed return. Compare the goal, time horizon, liquidity and risk rather than looking only at a projected number.
Scenario workflow
- Start with the same amount or goal for both scenarios.
- Use realistic rate, return and time assumptions.
- Compare the monthly cash flow and the total result.
- Consider liquidity, taxes, fees and risk before deciding.
Useful checks
Monthly impactHow much cash flow changes each month.
Total cost / corpusThe cumulative result over the chosen period.
AssumptionsRate, return, tenure and contribution assumptions.
Real-world termsFees, taxes, scheme rules and lender conditions.