Simple comparison with live Bank FD data and Mutual Fund NAV trend.
Live rates fetched from bank websites.
Estimated SIP Return (Conservative):
Model rule: fund history + FD baseline (max FD + 3.0%, min FD - 0.5%).
History used:
Limited history detected. Estimate reliability is lower.
Inflation-Adjusted Result
Next Best Action
Shareable Summary
Verified Financial Partner Space
Main Result
FD vs SIP
| Year | Total Invested | FD Balance | SIP Balance | Difference |
|---|---|---|---|---|
Important Warning
Yo SIP return estimate matra ho, guaranteed return haina.
Short-term NAV change future ma same huncha bhanne guarantee chaina. Mutual return FD bhanda kam pani huna sakcha.
An authoritative analysis on wealth preservation vs. wealth creation in Nepal's unique economy.
When you see a Commercial Bank FD rate of 8.5%, it’s easy to feel secure. However, savvy investors in Nepal must look at the Real Rate of Return. With average annual inflation in Nepal (CPI) often hovering between 7% and 8%, a 9% FD actually only yields a 1-2% real increase in purchasing power. This is why comparing FD against equity-linked SIPs is vital for long-term survival against rising costs of living.
In Nepal, FD rates are often leading indicators of systemic liquidity. When banks have low liquidity, FD rates spike, making them briefly more attractive than the low-yield dividends of some NEPSE stocks. Our tool tracks these bank rate shifts to give you an accurate baseline.
Systematic Investment Plans (SIP) in Nepal, primarily offered through Mutual Funds, leverage 'Rupee Cost Averaging.' In a volatile market like NEPSE, SIPs allow you to buy more units when prices are low and fewer when they are high. Over a 10-year horizon, this discipline historically outperforms the linear growth of a Fixed Deposit, provided you choose funds with a consistent NAV (Net Asset Value) track record.
In Nepal, individual investors face a 5% Capital Gain Tax (CGT) on bank FD interest, which is deducted at source (WHT). Mutual Fund dividends and capital gains also have specific tax treatments that can be more favorable for long-term holders. Always ensure your calculation accounts for these 'leakages' to see the true net result.
Neither tool is 'better' in isolation. A balanced portfolio in Nepal typically keeps 3-6 months of expenses in an FD or high-interest savings account, while routing the monthly surplus into an equity-linked SIP to capture the growth of the Nepali economy.