SIP vs FD – Kaunsa Better Hai 2026 Me? Complete Comparison Guider
Agar aap investment start karna chahte ho, to sabse common confusion hota hai — SIP kare ya FD? Dono safe options maane jate hain, lekin return, risk aur flexibility me difference hota hai. Is article me simple language me compare karenge. SIP Kya Hota Hai? SIP (Systematic Investment Plan) mutual fund me monthly fixed amount invest karne ka tarika hai. Popular platforms: Groww Upstox Average Return: 10–15% yearly (long term me) FD (Fixed Deposit) Kya Hota Hai? FD bank ka investment option hai jisme fixed interest milta hai. Banks jaise: State Bank of India HDFC Bank Average Return: 6–7% yearly (fixed) SIP vs FD – Direct Comparison Factor SIP FD Risk Market based Low risk Return High potentia Fixed Lock-in Flexible Fixed tenure Inflation Protection Yes Limited Beginner Ke Liye Kaunsa Better? ✔ Short term goal (1–2 saal) → FD better ✔ Long term goal (3–5 saal+) → SIP better Example Calculation (₹5000 Investment) FD me ₹5000 par 7% interest → limited growth. SIP me long term c...