How to compare FD rates properly: read a dated official rate schedule for your own amount, tenure and age, and treat any online ranking as a starting point rather than a live offer. Includes DICGC cover, TDS and an illustrative maturity comparison.

₹5,000 a month for 5 years: about ₹3.58 lakh in an RD at 7% versus about ₹4.12 lakh in a SIP at 12%. The full maths, tax treatment, and which one fits your goal.