📉 Still Parking Money in FDs? Read This Before You Miss Out (Again)
It’s 2025.
And your ₹50,000 fixed deposit (FD) is growing slower than your chai cravings.
Meanwhile, a ₹5,000 monthly SIP (Systematic Investment Plan) in a decent mutual fund is quietly outperforming, tax-efficient, and inflation-beating.
Still think FDs are "safe"?
Let’s compare — and see why SIPs are the smart new savings.
📊 SIP vs FD: 5-Year Comparison (2025 Math)
| Investment | Monthly Amount | Total Invested | Expected Return (%) | 5-Year Maturity Value |
|---|---|---|---|---|
| Fixed Deposit | ₹50,000 (one-time) | ₹50,000 | 6.5% (compounded) | ₹68,760 approx |
| SIP (Mutual Fund) | ₹5,000/month | ₹3,00,000 | 12% CAGR | ₹4,10,000+ |
💡Even with 6x lower monthly commitment, the SIP outgrows the FD by ₹40,000+
🧠 Why ₹5,000 SIPs Win in 2025 (According to Vizzve Finance)
✅ 1. Power of Compounding
Your money earns interest — and then the interest earns more.
FDs compound yearly. SIPs compound monthly. Game over.
✅ 2. Inflation Beats FDs
2025 inflation hovers between 5%–6%.
Your FD at 6.5% is barely breaking even.
SIPs? Grow at 10%–14%, adjusted over time.
✅ 3. Tax Advantage
FDs: Interest is fully taxable
SIPs (Equity Mutual Funds): No tax if held >1 year & gains < ₹1L annually
Vizzve Finance shows tax impact live via the FD vs SIP tax planner.
✅ 4. Flexibility
SIPs can be paused/modified anytime
FD? Lock-in + premature penalty
Start a ₹5K SIP with Vizzve’s Instant SIP Setup in under 3 minutes.
✅ 5. Better Liquidity & Visibility
Using Vizzve:
Track SIP performance anytime
Redeem partially
Get smart suggestions to rebalance
FD? One-time lump sum with early withdrawal charges.
🚀 Real-Life Example:
🧔 Priya, 29 – Mumbai
Invested ₹5,000/month SIP since 2020
FD friends earned ~₹66K
Her SIP value in 2025? ₹4.15L
Bonus: No tax, no stress, high liquidity
💼 How Vizzve Finance Helps You Shift from FDs to SIPs:
✔️ SIP vs FD Calculator
✔️ Risk Profile Scanner
✔️ One-Tap Fund Recommendations
✔️ Auto-Invest Reminders
✔️ Tax Impact Simulator
❓ FAQs
❓Is ₹5,000 a month enough to invest in 2025?
Yes. With compounding, ₹5K/month = ₹30L+ in 20 years. Starting is key.
❓Are SIPs risky?
Short-term volatility, yes. Long-term SIPs in diversified funds have outperformed all traditional options.
❓Can I invest in SIPs using Vizzve?
Yes! Vizzve’s platform allows:
Direct SIP setups
Goal-based planning
Fund tracking + alerts
✅ Conclusion:
FDs may have served your parents.
But in 2025, they can’t grow your wealth.
Instead of saving big once, invest small consistently.
Let Vizzve Finance help you switch smartly — from old-school saving to future-ready investing.
Published on : 16th July
Published by : SMITA
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RBI-Registered Loan Partner | 10 Lakh+ Customers | ₹600 Cr+ Disbursed.