SIP vs FD 2025. - kaun Hai Behtar Investment Option ?

📊 SIP vs FD 2025 – Kaun Hai Behtar Investment Option?

Financial planning mein sabse bada sawaal hota hai – “Paise ko kahaan lagayein?” 2025 mein, log SIP (Systematic Investment Plan) aur FD (Fixed Deposit) ke beech confuse hain. Dono options popular hain, lekin kis option mein zyada fayda milega?

🏦 Fixed Deposit (FD) Kya Hai?

FD ek traditional investment option hai jahan aap ek fixed amount bank mein ek fixed time ke liye deposit karte ho aur us par fixed interest milta hai.

✅ FD Ke Fayde:

• Guaranteed Returns – Risk-free investment.
• Flexible Tenure – 7 din se le kar 10 saal tak.
• Senior Citizens ke liye extra interest.
• Bank safety & DICGC insurance up to ₹5 lakh.

❌ FD Ke Nuksan:

• Low Returns – Inflation ko beat nahi karte.
• Premature withdrawal pe penalty.
• Taxable Interest Income.

📈 SIP (Systematic Investment Plan) Kya Hai?

SIP ek tarika hai mutual funds mein regular investment karne ka – har mahine ek fixed amount.

✅ SIP Ke Fayde:

• Power of Compounding – Long term mein high returns.
• Rupee Cost Averaging – Market ke ups-downs ka fayda.
• Flexible Investment – ₹500 se bhi start kar sakte ho.
• Tax saving option (ELSS SIP).

❌ SIP Ke Nuksan:

• Market Risk – Mutual funds market linked hote hain.
• Short term mein loss ho sakta hai.
• Returns fixed nahi hote.

🔍 SIP vs FD 2025 – Head to Head Comparison:

Feature	SIP (Mutual Fund)	FD (Fixed Deposit)
Returns	10–15% (approx.)	6–7% (fixed)
Risk	Market Linked	Risk-Free
Liquidity	High (after lock-in)	Medium (with penalty)
Tax	LTCG (after 1 yr)	Fully taxable
Ideal For	Long-Term Wealth Creation	Capital Protection

🎯 2025 Mein Kya Chuney – SIP Ya FD?

Agar aapka goal short-term hai ya aap risk nahi le sakte, to FD better hai. Lekin agar aap long-term wealth create karna chahte hain, to SIP is a smart move in 2025.

Pro Tip: Diversification karein – thoda FD, thoda SIP. Balance bana rahega.

🧠 Final Soch – "Paise Ki Soch"

Har investor alag hota hai. Aapka age, goal, risk tolerance sab matter karta hai. SIP future-oriented hai, FD safe option. 2025 ke financial goals ko dhyan mein rakhkar hi investment decision lein.