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Investing · Reviewed 7 October 2026

FD vs Debt vs Arbitrage Calculator

Compare annual interest-tax drag with fund exit-tax scenarios.

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Your inputs
Your result

Estimate based on your inputs and stated assumptions. It is not a guarantee of returns, rates, eligibility or tax outcome.

Methodology by Finpockett · See how calculators are built and checked

Worked example

A starting scenario, with the assumptions shown

These are the calculator’s starting inputs, used to illustrate the method. They are not a recommended plan. Changing the inputs above updates the interactive result; this example remains a fixed reference.

View the example inputs
One-time investment₹5,00,000
FD interest rate7%
Debt-fund assumed return7.50%
Arbitrage-fund assumed return7%
Planning horizon3 years
Income-tax slab30%
Remaining equity LTCG allowance₹1,25,000
ResultIllustrative value
FD after annual interest tax₹5,75,775
Debt fund after assumed exit tax₹5,83,350
Arbitrage after exit tax₹6,12,522

Debt case assumes a specified debt fund acquired on/after 1 April 2023, taxed at the entered slab. Arbitrage assumes an equity-oriented qualifying fund: 20% for ≤1 year; 12.5% and remaining ₹1.25 lakh allowance above 1 year. No surcharge, basic-exemption adjustment, lot splitting, loss offsets or grandfathering. FD tax paid annually; fund tax at exit.

Understand the calculation

What is an FD vs Debt vs Arbitrage Calculator?

Compare annual interest-tax drag with fund exit-tax scenarios. Specified debt fund bought from April 2023 and qualifying equity-oriented arbitrage fund only. No surcharge or loss offsets.

Use the inputs that describe your actual situation. Change one assumption at a time, compare the results, and read the scope note alongside the number. The tool calculates a stated scenario; it does not decide whether an investment, policy or tax treatment is suitable for you.

Method and assumptions

FD interest taxed annually; fund gains taxed at exit

Specified debt fund bought from April 2023 and qualifying equity-oriented arbitrage fund only. No surcharge or loss offsets.

Read the result with these boundaries

Specified debt fund bought from April 2023 and qualifying equity-oriented arbitrage fund only. No surcharge or loss offsets.

Check the inputs before acting

Confirm actual costs, dates, eligible amounts and product terms from your records. Compare a conservative case and an adverse case rather than relying on the default inputs. A result can change substantially when return, tax, contribution or cost assumptions change.

Frequently asked questions

What does this tool calculate?

Compare annual interest-tax drag with fund exit-tax scenarios. FD interest taxed annually; fund gains taxed at exit

What is outside its scope?

Specified debt fund bought from April 2023 and qualifying equity-oriented arbitrage fund only. No surcharge or loss offsets.

Are the default inputs a recommendation?

No. Defaults are worked scenarios. Use your own verified amounts and test more than one assumption.

Related calculators

FD FD Calculator Maturity value of a bank fixed deposit at any compounding frequency. CGT Capital Gains Tax Calculator Estimate Indian capital-gains tax by asset type and holding period.

Guides that use this calculator

Investing FD, Debt Fund or Arbitrage Fund: Compare When Tax Is Paid

For educational and illustrative use only. Verify current rates, rules and eligibility with the relevant official source before making a financial decision.