Your 7.5% FD returns
0.15% after tax & inflation.
Banks scream high FD rates. Nobody mentions TDS eats 30% and inflation eats the rest. We calculate what you actually take home.
Your "7.5%" FD — the honest return
On ₹10L invested for 1 year, you earn ₹75K gross → ₹52.5K after tax → ₹1,500 after inflation. Your ₹10L barely grows.
Savings guides
FD at 7.5%? Your real return is 0.15% after tax and inflation
We break down a typical FD: 7.5% advertised → 5.25% after TDS (30% bracket) → 0.15% after 5.1% inflation. Your money barely keeps up.
PPF vs FD vs debt fund: real post-tax returns compared
PPF is tax-free but locked 15 years. FDs are taxed heavily. Debt funds have indexation. We compare actual take-home across all three.
Best FD rates 2026: bank-wise comparison with honest returns
We list every major bank's FD rate, then calculate the real return after TDS and inflation. The rankings change completely.
Senior citizen FD: is the extra 0.5% worth locking in?
Seniors get 0.25-0.5% extra. After tax, that's ₹375/year extra on ₹5L. Worth the lock-in? We do the math.
Tax-saving FD vs ELSS vs PPF: which actually wins after 5 years?
All three get 80C deduction. But returns after lock-in, tax, and inflation vary wildly. Side-by-side comparison.