Education

Bonds vs fixed deposits

Illustrative comparison using a 30% slab + cess model. Not tax advice. Bonds carry credit and liquidity risk; FDs have deposit insurance limits.

Multiple bond certificates for side-by-side comparison

Corporate bond (illustrative)

12.00%

pre-tax yield

8.26% post-tax

Bank FD (illustrative)

7.00%

pre-tax yield

4.82% post-tax

Effective tax rate used: 31.2%. Indicative TDS @ 10% when FY interest exceeds ₹10,000 (Sec 193-style education; counsel must confirm).

Browse live bonds