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Bond vs FD Calculator

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Compare a bond YTM path against an FD rate for the same principal and tenure — rate math only, not risk advice.

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FD compounding

Compares rate paths only — ignores credit risk, liquidity, taxes, and early exit. Not advice.

Comparison

Bond YTM path ahead
₹13,619 gap
Bond path maturity value₹1,36,763
FD maturity value₹1,23,144
Bond interest (approx.)₹36,763
FD interest (approx.)₹23,144

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How to Use

  1. 1 Enter investment amount and tenure
  2. 2 Enter bond YTM %
  3. 3 Enter FD rate and compounding
  4. 4 See which path finishes higher on rate math alone

Features

  • Side-by-side maturity values
  • Quarterly FD compounding option
  • Clear winner label
  • Client-side

Why it Matters

Retail investors comparing Groww-style corporate bonds to bank FDs need a honest rate-only comparison with risk disclaimers.

★★★★★

Compounds your principal at the bond YTM vs the FD rate. Ignores default risk, early exit, and tax. Read Bonds vs FD before deciding.

Frequently Asked Questions

Does a higher YTM mean safer?
No — higher yield often means higher credit or liquidity risk. FDs (within DICGC limits) are a different risk class.
Taxes?
Not modelled. Interest and capital gains rules differ — verify with a tax professional.
Advice?
Educational rate comparison only — not a recommendation to buy either product.
📖

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