{"id":6238,"date":"2026-01-16T06:57:57","date_gmt":"2026-01-16T06:57:57","guid":{"rendered":"https:\/\/www.paytmmoney.com\/blog\/?p=6238"},"modified":"2026-02-17T06:25:29","modified_gmt":"2026-02-17T06:25:29","slug":"sip-vs-fd-growth-potential-vs-guaranteed-returns-explained","status":"publish","type":"post","link":"https:\/\/www.paytmmoney.com\/blog\/sip-vs-fd-growth-potential-vs-guaranteed-returns-explained\/","title":{"rendered":"SIP vs FD: Growth Potential vs Guaranteed Returns Explained"},"content":{"rendered":"<p><span style=\"font-weight: 400;\">Deciding where to put your hard-earned money can feel like standing at a financial crossroads. On one hand, you have the comfort of traditional safety, and on the other, the exciting potential of market growth. If you have been scrolling through investment apps or chatting with friends about money, you have likely heard the Great Debate: SIP vs FD.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Choosing the right path is not just about picking a product; it is about securing your future. Whether you are dreaming of a comfortable retirement, buying your first home, or simply building a safety net, understanding how a <\/span><a href=\"https:\/\/www.paytmmoney.com\/stocks\/customer\/support\/trading-and-demat\/setting-up-stock-sip\/what-is-an-sip-in-equity\"><span style=\"font-weight: 400;\">Systematic Investment Plan (SIP)<\/span><\/a><span style=\"font-weight: 400;\"> compares to a <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/investment-ideas\/better-than-fixed-deposit\/26916795-d233-47c4-b806-eef82bf500b5\"><span style=\"font-weight: 400;\">Fixed Deposit (FD)<\/span><\/a><span style=\"font-weight: 400;\"> is the first step toward financial freedom. In this guide, we will break down these two heavyweights to see which one deserves a spot in your portfolio for 2026.<\/span><\/p>\n<h2><b>What Is SIP<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A<a style=\"color: #0073e6; text-decoration: none;\" href=\"https:\/\/www.paytmmoney.com\/calculators\/sip-calculator\/\"><strong> Systematic Investment Plan<\/strong><\/a>, commonly known as SIP, is a method of investing a fixed amount of money at regular intervals into <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\"><span style=\"font-weight: 400;\">mutual funds<\/span><\/a><span style=\"font-weight: 400;\">. These intervals are usually monthly or quarterly.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Instead of investing a lump sum, SIP allows you to invest small amounts consistently. Many SIPs can be started with as little as \u20b9100 per month, making them accessible to a wide range of investors.<\/span><\/p>\n<h3><b>How SIP Works<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">You choose a <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\"><span style=\"font-weight: 400;\">mutual fund scheme<\/span><\/a><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">A fixed amount is auto-debited from your bank account<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Units are purchased based on the market value<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Over time, your investment grows through compounding<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">SIPs benefit from rupee cost averaging, meaning you buy more units when markets are low and fewer units when markets are high. This helps reduce the overall cost of investment over time.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> NDTV)<\/span><\/i><\/span><\/p>\n<h2><b>EMI vs SIP<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A \u20b920 lakh home loan at 8.5 percent for 20 years means a monthly EMI of \u20b917,356 and a total outflow of \u20b941.65 lakh, including \u20b921.65 lakh as interest, with returns depending on property appreciation. Investing the same \u20b917,356 monthly in a SIP at 8.5 percent (compounded monthly) grows into about \u20b91.09 crore over 20 years. The total investment remains \u20b941.65 lakh, while returns alone reach \u20b967.16 lakh. This comparison highlights how compounding in SIPs can create far greater financial wealth over the long term.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> NDTV)<\/span><\/i><\/span><\/p>\n<h2><b>What Is Fixed Deposit<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">A <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/investment-ideas\/better-than-fixed-deposit\/26916795-d233-47c4-b806-eef82bf500b5\"><span style=\"font-weight: 400;\">Fixed Deposit<\/span><\/a><span style=\"font-weight: 400;\">, or FD, is one of the most traditional investment options in India. In an FD, you invest a lump sum amount with a bank or financial institution for a fixed tenure at a predetermined interest rate.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">At maturity, you receive the principal along with the interest earned.<\/span><\/p>\n<h3><b>Types of Fixed Deposits<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Cumulative FD<\/b><span style=\"font-weight: 400;\">: Interest is compounded and paid at maturity<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><b>Non-Cumulative FD<\/b><span style=\"font-weight: 400;\">: Interest is paid monthly, quarterly, or annually<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">FDs are popular because they offer capital safety and predictable returns, making them a preferred choice for conservative investors.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> Axis Bank)<\/span><\/i><\/span><\/p>\n<h2><b>SIP vs FD: Returns and Risk Comparison<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Returns and risk are the two most important factors when comparing SIP vs FD for long-term wealth creation. To understand this better, let us consider a hypothetical example.<\/span><\/p>\n<h3><b>Assumptions<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Monthly investment: \u20b910,000<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Investment period: 5 years<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">SIP expected annual return: 13 percent<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">FD annual interest rate: 7 percent<\/span><\/li>\n<\/ul>\n<h3><b>Estimated Returns After 5 Years<\/b><\/h3>\n<div style=\"width: 100%; overflow-x: auto; margin: 20px 0;\">\n<table style=\"width: 100%; min-width: 600px; border-collapse: collapse; font-family: sans-serif; text-align: left;\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #000; padding: 12px; text-align: left !important; font-weight: bold; background: none;\">Investment Type<\/th>\n<th style=\"border: 1px solid #000; padding: 12px; text-align: left !important; font-weight: bold; background: none;\">Monthly Investment<\/th>\n<th style=\"border: 1px solid #000; padding: 12px; text-align: left !important; font-weight: bold; background: none;\">Annual Return Rate<\/th>\n<th style=\"border: 1px solid #000; padding: 12px; text-align: left !important; font-weight: bold; background: none;\">Total Investment<\/th>\n<th style=\"border: 1px solid #000; padding: 12px; text-align: left !important; font-weight: bold; background: none;\">Estimated Value<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">SIP<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b910,000<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">13%<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b96,00,000<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b98,48,033 approx<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">FD<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b910,000<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">7%<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b96,00,000<\/td>\n<td style=\"border: 1px solid #000; padding: 12px; text-align: left !important;\">\u20b97,19,325 approx<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n<p><span style=\"font-size: 10pt;\"><b><i>Note:<\/i><\/b><i><span style=\"font-weight: 400;\"> For comparison purposes, the FD returns shown above assume regular monthly investments at a fixed interest rate. Actual FD returns may vary based on tenure, compounding frequency, and bank-specific terms.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-weight: 400; font-size: 10pt;\">Both the investment options have the potential to generate significantly higher returns over the long term due to market participation. However, these returns are not guaranteed in SIPs.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> Online Calculators)<\/span><\/i><\/span><\/p>\n<h2><b>SIP vs FD: Key Differences at a Glance<\/b><\/h2>\n<table style=\"width: 100%; border-collapse: collapse; margin: 20px 0; margin-left: 0; margin-right: auto; text-align: left; font-family: sans-serif;\">\n<thead>\n<tr>\n<th style=\"border: 1px solid #000; padding: 10px; text-align: left !important; font-weight: bold;\">Feature<\/th>\n<th style=\"border: 1px solid #000; padding: 10px; text-align: left !important; font-weight: bold;\">SIP (Systematic Investment Plan)<\/th>\n<th style=\"border: 1px solid #000; padding: 10px; text-align: left !important; font-weight: bold;\">FD (Fixed Deposit)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Nature of Investment<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Regular investment into mutual fund schemes<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Lump-sum deposit with a bank or financial institution<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Investment Frequency<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Monthly or quarterly contributions<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">One-time investment for a fixed tenure<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Underlying Asset<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Market-linked instruments such as equity or debt funds<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Fixed-income product<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Risk Level<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Moderate to high, depends on market performance<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Very low, capital is protected<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Returns<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Market-linked, not guaranteed<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Fixed and guaranteed at the time of deposit<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Expected Returns<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Around 11% to 15% over the long term<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Around 6% to 8% annually<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Inflation Protection<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Higher potential to beat inflation over time<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Limited ability to beat inflation<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Liquidity<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">High liquidity, units can be redeemed anytime<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Limited liquidity, premature withdrawal attracts penalty<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Investment Amount<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Can start with as low as \u20b9100 per month<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Requires a lump sum, usually starting from \u20b91,000<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Taxation<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">More tax-efficient for long-term equity SIPs<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Interest taxed as per income slab<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Ideal Investment Horizon<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Long-term goals of 5 years or more<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Short-term to medium-term goals<\/td>\n<\/tr>\n<tr>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Best Suited For<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Wealth creation and growth-focused investors<\/td>\n<td style=\"border: 1px solid #000; padding: 10px; text-align: left !important;\">Capital preservation and conservative investors<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source:<\/i><\/b><i><span style=\"font-weight: 400;\"> Cleartax, Tata Capital)<\/span><\/i><\/span><\/p>\n<h2><b>Building a Balanced Portfolio With SIP and FD<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Instead of choosing between <\/span><a href=\"https:\/\/www.paytmmoney.com\/blog\/explore-all-in-one-sip\/\"><span style=\"font-weight: 400;\">SIP<\/span><\/a><span style=\"font-weight: 400;\"> vs <\/span><a href=\"https:\/\/www.paytmmoney.com\/mutual-funds\/investment-ideas\/better-than-fixed-deposit\/26916795-d233-47c4-b806-eef82bf500b5\"><span style=\"font-weight: 400;\">FD<\/span><\/a><span style=\"font-weight: 400;\">, smart investors often use both.<\/span><\/p>\n<h3><b>Role of SIP in a Portfolio<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Drives long-term growth<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Helps beat inflation<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Builds wealth through compounding<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be suitable for retirement and education planning<\/span><\/li>\n<\/ul>\n<h3><b>Role of FD in a Portfolio<\/b><\/h3>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Provides stability and capital protection<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Acts as a safety net during market volatility<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Can be useful for emergency funds and short-term needs<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">By combining SIPs and FDs, investors can balance growth and safety effectively.<\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">(<\/span><\/i><b><i>Source: <\/i><\/b><i><span style=\"font-weight: 400;\">Tata Capital)<\/span><\/i><\/span><\/p>\n<h2><b>The Bottomline<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">If you are wondering whether SIP or FD is better, you are asking the right question. The real answer lies in understanding your goals.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">If you value safety, stability, and guaranteed returns, FD is a dependable choice. If you aim to grow wealth over time and can handle market ups and downs, SIP can work in your favour.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In 2026 and beyond, the most effective strategy is not choosing one over the other, but using both wisely. A well-planned combination of SIPs for growth and FDs for stability can help you stay financially secure while steadily building wealth. The key is to start early, stay consistent, and align your investments with your long-term vision.<\/span><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"font-size: 10pt;\"><b><i>Disclaimer:<\/i><\/b><i><span style=\"font-weight: 400;\"> Investments in the securities market are subject to market risks, read all the related documents carefully before investing. This content is purely for information purpose only and in no way to be considered as an advice or recommendation. The securities are quoted as an example and not as a recommendation.<\/span><\/i><\/span><\/p>\n<p><span style=\"font-size: 10pt;\"><i><span style=\"font-weight: 400;\">Investors are requested to do their own due diligence before investing. Paytm Money Ltd SEBI Reg No. Broking \u2013 INZ000240532, Depository Participant \u2013 IN \u2013 DP \u2013 416 \u2013 2019, Depository Participant Number: CDSL \u2013 12088800, NSE (90165), BSE (6707) Regd Office: 136, 1st Floor, Devika Tower, Nehru Place, Delhi \u2013 110019. For complete Terms &amp; Conditions and Disclaimers visit: <\/span><\/i><a href=\"https:\/\/www.paytmmoney.com\/stocks\/policies\/terms\"><i><span style=\"font-weight: 400;\">https:\/\/www.paytmmoney.com\/stocks\/policies\/terms<\/span><\/i><\/a><i><span style=\"font-weight: 400;\"> .<\/span><\/i><\/span><\/p>\n<div style=\"max-width: 100%; margin: 20px 0; font-family: sans-serif; text-align: left;\">\n<h2 style=\"text-align: left !important; font-size: 24px; margin-bottom: 20px; color: #000;\">FAQs<\/h2>\n<details style=\"border-bottom: 1px solid #000; padding: 15px 0; cursor: pointer;\">\n<summary style=\"font-weight: bold; list-style: none; outline: none; display: flex; justify-content: space-between; align-items: center; text-align: left !important;\">1. Is SIP better than FD for long-term wealth creation?<br \/>\n<span style=\"font-size: 1.2em;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; line-height: 1.6; color: #000; text-align: left !important;\">SIPs generally offer better long-term wealth creation potential because they are market-linked and benefit from the power of compounding. Over longer periods, SIP returns of around 11 percent to 15 percent have historically outpaced FD returns of 6 percent to 8 percent, though SIP returns are not guaranteed.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #000; padding: 15px 0; cursor: pointer;\">\n<summary style=\"font-weight: bold; list-style: none; outline: none; display: flex; justify-content: space-between; align-items: center; text-align: left !important;\">2. Are SIP investments riskier than Fixed Deposits?<br \/>\n<span style=\"font-size: 1.2em;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; line-height: 1.6; color: #000; text-align: left !important;\">Yes, SIPs carry moderate to high risk as they are linked to market performance. Fixed Deposits are low-risk investments that offer guaranteed returns and capital protection, making them suitable for conservative investors.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #000; padding: 15px 0; cursor: pointer;\">\n<summary style=\"font-weight: bold; list-style: none; outline: none; display: flex; justify-content: space-between; align-items: center; text-align: left !important;\">3. How does rupee cost averaging work in SIPs?<br \/>\n<span style=\"font-size: 1.2em;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; line-height: 1.6; color: #000; text-align: left !important;\">Rupee cost averaging allows investors to buy more mutual fund units when prices are low and fewer units when prices are high. This helps reduce the average investment cost over time and smoothens the impact of market volatility.<\/div>\n<\/details>\n<details style=\"border-bottom: 1px solid #000; padding: 15px 0; cursor: pointer;\">\n<summary style=\"font-weight: bold; list-style: none; outline: none; display: flex; justify-content: space-between; align-items: center; text-align: left !important;\">4. Can SIP and FD be used together in a portfolio?<br \/>\n<span style=\"font-size: 1.2em;\">+<\/span><\/summary>\n<div style=\"padding-top: 10px; line-height: 1.6; color: #000; text-align: left !important;\">Yes, combining SIPs and FDs can create a balanced portfolio. SIPs help drive long-term growth, while FDs provide stability, capital safety, and liquidity for short-term needs or emergencies.<\/div>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Deciding where to put your hard-earned money can feel like standing at a financial crossroads. On one hand, you have the comfort of traditional safety, and on the other, the exciting potential of market growth. If you have been scrolling through investment apps or chatting with friends about money, you have likely heard the Great<a href=\"https:\/\/www.paytmmoney.com\/blog\/sip-vs-fd-growth-potential-vs-guaranteed-returns-explained\/\">Continue reading <span class=\"sr-only\">&#8220;SIP vs FD: Growth Potential vs Guaranteed Returns Explained&#8221;<\/span><\/a><\/p>\n","protected":false},"author":51,"featured_media":6239,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[827,6],"tags":[559,555,557,558,553,551,490,556,554,487],"class_list":["post-6238","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-mutual-funds","category-personal-finance","tag-financial-goals","tag-fixed-deposit","tag-fixed-deposit-interest-rate","tag-investment-options","tag-long-term-wealth-creation","tag-power-of-compounding","tag-rupee-cost-averaging","tag-sip-returns","tag-sip-vs-fd","tag-systematic-investment-plan"],"_links":{"self":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/users\/51"}],"replies":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/comments?post=6238"}],"version-history":[{"count":0,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/posts\/6238\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media\/6239"}],"wp:attachment":[{"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/media?parent=6238"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/categories?post=6238"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.paytmmoney.com\/blog\/wp-json\/wp\/v2\/tags?post=6238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}