#4Reasons of Why you

Should AVIODFixed Deposits

Fixed Deposit

• Fixed deposit (FD) is a financial instrument issued by banks or corporateswhich provides investors or deposit holders , with a Fixed rate of return.

• FDs are generally considered to be safest investment

• The rate of interest in India is currently in the range of 8-9.5%.

# 1 ReasonReturns

As seen from the graph,

returns on FDs are

comparatively Lowerthan

• Shares• Gold

9.0%

-10.4%

7.8%

18.7%

24.6%

27.4%

32.5%

4.8%

-10.1%

-3.7%

6.0%

9.5%8.5% 9.0% 8.5%9.5%

8.6%8.8% 8.7% 8.7%

-15.0%

-10.0%

-5.0%

0.0%

5.0%

10.0%

15.0%

20.0%

25.0%

30.0%

35.0%

Mar-11 Mar-12 Mar-13 Mar-14 Mar-15

Last 5 Year Returns

Sensex Gold FD PPF

* Return as on 26 June 2015. Source AdviseSure Research

# 2 ReasonTax

Banks deduct TDS of 10% on interest income if the interest is greater than Rs.10,000 per year

Equity Mutual Funds

Debt Mutual Funds

Fixed Deposit Tax on Interest as per Tax Slab of Investor

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of PurchaseShares

Bonds

Tax free if Sold after 1 year. 15% tax in case sold within 1 year of Purchase

10% Tax if Sold after 3 years. If Sold within 3 years then as per Tax Slab of Investor

Tax on Interest as per Normal Income Slab

For Detailed Analysis refer our Taxation page

# 3 ReasonInflation

Present rate of inflation is 6%.

• BSE Sensex has delivered 11.9%Annual Return in past 5 years

• Comparatively returns on FD after

adjusting for inflation is ~2% which is

very low

As you can see in Chart , Shares provide an excellent protection against inflation and are very beneficial in the long run

Source: AdviseSure Research

12%9% 9%

11%

6%

9%

-10%

8%

19%

25%

-15%

-10%

-5%

0%

5%

10%

15%

20%

25%

30%

2010 2011 2012 2013 2014

Inflation vs Sensex vs FD

Inflation Sensex

* Return as on 26 June 2015. Source AdviseSure Research

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